Don't waste your money. I got the highest amount of coverage possible supposed to get 90% reimbursement but on a bill for $150 I got $10. back and 2 out of 4 claims have been denied one for $364 saying not eligible for reimbursement. They will find a reason to deny your claim every time. so don't waste your money

Trying to jump thru hoops to get the advertized $25.00 Amazon gift card. Two agents told me to call Amazon!!! What a rip off! Still no gift card!

Haven't received any reimbursement in the mail and I have been in contact with their support line and still haven't received any on my end.

I used to give them 5 stars but now they are awful to deal with. I have submitted 4 claims for a new puppy I adopted and they require “soap” notes, doctors notes, I submit them and they deny. I bought the gold plan that covers preventative care as well as accident and illness. Everything should be covered. I am going to cancel and switch to lemonade. This used to be a great company.

you are taking wa too long tp process claims and mail payments, 2 -3 weeks is in appropriatete

Disappointing Experience – Slow Claims Processing but Fast Premium Increases I am extremely frustrated with Spot Pet Insurance. I submitted a claim for my dog’s surgery on February 10, 2025, and nearly a month later, I am still waiting for my reimbursement. I have sent all required medical records multiple times—first through my vet (VCA Natomas Animal Medical Center on March 5) and then directly myself on March 10. Despite this, they keep asking for the same information, dragging out the process unnecessarily. What’s even more infuriating? They had no problem increasing my premium right after I filed a claim, but when it comes to actually paying out the reimbursement, they delay and make things difficult. This company claims to be honest and reliable, but my experience has been the opposite. If you’re considering getting pet insurance, be warned—Spot will take your money quickly but stall when it comes to paying out claims. I will be looking for a more trustworthy provider after this experience. DO BETTER, SPOT!

Prompt response, but it asked for prior info and documents that were not part of the initial claim requirements.

I am shocked at one of your commercials, it starts out with a young girl and a word bleeped out. Shame on Spot ins. I was looking for insurance for my cat but will look elsewhere. Is this how you want your company to be known for. Cursing and bleeping? You know I am but one person, and one person means nothing to a company like you. But will all my hopes and prayers, I hope I will not be just one person. Shame.

I've made about 6 calls, 4 in one day. They covered my claim and then said it was processed on their end on 3/10, it's 3/18 and the payment is nowhere to be found. At first they said call if it's not there in 3 days, now all the sudden it's 7-10 days. They just keep telling me that it's "approved and paid out" on their end, but they can't even tell me the full account number they sent it to. I've been back and forth with them and the bank for DAYS, the bank has ZERO record and it was never direct deposited. I had to escalate it to a manager on the 6th call because they just kept saying it looked like it was paid in their system and wouldn't give me any answers besides "call your bank". Finally they agreed to put a trace on the payment and said it would likely take a full day to go through and they'd call me with the info. 2 days later, no phone call and no info. Cancelling as soon as they pay me. Update: it's March 24, Spot responded to this review saying they'd "look into it" 3 days ago and I haven't heard anything from them and I'm still missing my almost $700 they owe me. Update: 4/1/2025, no reimbursement

The claim was not able to be processed and was told the bank rejected the deposit. Contacted the bank and was informed no document of check attempted to be deposit. It was disclosed a Spot employee must have entered the wrong number to deposit. 2 checks were supposed to be mailed on 03-06 and 03-11-25. To this day neither checks have arrived. After entering bank information subsequent claims were able to be deposited. Why can’t the first two be again direct deposit as it was NOT my error that the wrong information was submitted. Spot has done NOTHING to correct their error. Very dissatisfied