Spot Pet Insurance Reviews 10,231

After owning several dogs and never having insurance, we decided that we would get it with our new mini dachshund seeing as we paid $$$ for our last ones ivdd back surgery. Spot is one of the few if n... See more

Spot Pet Insurance genuinely cares for your pets health and wellbeing. My 18 month old mini-schnuazer suddenly passed away about 17 months ago with no warning. Spot reached out to me with an email, ph... See more

Last year I spent quite a bit of time reviewing pet insurance companies. It was no easy feat but am thrilled to have selected Pet Spot for my cat Cali. In mid-January 2026 had to take her to the vet... See more

USA English speaking. Very helpful by phone. Quick response for reimbursements. Easy online forms to fill out. Very satisfied with this company. Wish the insurance premium would not have increased. W... See more

I took my cat for his dental check and had to get three of his teeth removed. Thankfully, I had taken the insurance for him. Post the treatment, I submitted the bills. The insurance company contacted... See more

Affordable pet insurance. Claims are paid quickly and I like that you get to pick the coverage and payments you want. Makes things super easy, especially having more than one dog as they don’t all hav... See more

I'm going through number of tests to find out what is going on with my dog. I appreciate Spot's fast review, approval, and payment of my claims. It's great to find a pet insurance company that suppo... See more

We have been extremely happy with Spot. We’ve never had pet insurance on our animals before. When we got our youngest dog the vet tech encouraged us to look into getting insurance on him. I’m so th... See more

Was such an easy process, I just uploaded all my receipts and vet documents through the app. About a week later my claim was approved and a few days after that I received my check via direct deposit.... See more

After our last cat had to be put to sleep, due to a severe heart condition. We decided, after we got another kitten, to obtain pet insurance for him. We reviewed several companies and chose Spot,... See more

Both my pets are covered by Spot's illness & accident coverage for almost 2 years now. Looking back, I should've insured my 8 yr old CHI mix as a puppy due to any health issue developed before it's bi... See more

This has been great. Processing claims has been efficient and the service is worth the price. Having pets can be expensive and anything that eases the burden and offers peace of mind is money well... See more

Spot Pet Insurance was incredibly easy to use through their app. I had to pay $2,100 in veterinary bills due to complications from my dog giving birth. I submitted everything directly from my phone an... See more

Spot has been amazing. Unfortunately, I have had to use it more than I prefer, but they always reimburse very quickly. With Vet care being so expensive, it has given me piece of mind to know that... See more

My angel boy developed giant cell lymphoma around 1 years old, and unfortunately lost his battle shortly after he was diagnosed. Money was tight around the time he was getting his work up, and Spot wa... See more

I've now insured 4 cats through Spot. When I starting buying insurance for our current two 1-1/2 year old brothers as a precaution when they were still kittens, one of the cats unexpectedly developed... See more

It works as advertised. There are some potential points of annoyance (i.e. “previous balance” won’t be covered even if it’s part of the same procedure/invoice being subitted) so you need to make sur... See more

Spot has solid coverage, good prices and excellent customer service. I've submitted claims for two of our three cats. Spot makes the claim process very easy, they respond quickly and they send reimbur... See more

I have had Spot Pet Insurance since last year. Earlier this year, in March, one of my pets had to have a cancerous tumor removed and very shortly after that underwent emergency surgery to remove an... See more

Medical issues concerning our pets are never easy especially when great expense is involved. It is an emotional time to be weighing the cost of service versus care of your pet. Knowing you have covera... See more

Awful company . They will scrutinise your dogs medical records to attempt to discredit your claim even when the current symptoms have nothing to do with earlier problems with another insurer. They k... See more

ABSOLUTELY SCAM OF A COMPANY! THEY TAKE YOUR MONTHLY PAYMENTS AND DENY EVERY CLAIM!! TERRIBLE CUSTOMER SERVICE, TOO!! DO NOT BUY! GO READ BETTER BUSINESS BUREAU REVIEWS!! BUYER BEWARE!! WORST COMPANY... See more

I’ve had Spot insurance for a year. We adopted an older cat and insured her for 1 year at $182 ($2500 max, $250 deductible, 20% copay). She ended up having some arthritis and we put in a claim. One... See more

Terrible — this is completely useless. You are literally paying for nothing. My advice: build your own savings account for your pet’s vet expenses. They backtrack for at least a month, and after wai... See more

We’ve been a customer for about 8 months. We have had our dog Wilson going for Lymphoma treatments since last July. Spot Insurance has been really great getting our claims and reimbursing us rather q... See more

I switched from lemonade with my other dog got a rescue changed to Spot pet insurance best decision I’ve ever made. They’re awesome when you file your claim it only takes like two days to get reimburs... See more

So glad we signed up for Spot Pet Insurance when we got our new pup in 2023. Doc Holiday required a bone-spur removal from his elbow and Spot Pet Insurance processed the claim within 5 days of submis... See more

My experience so far has been nothing but positive. Claim was approved and paid in a very timely manner. I have had emergencies before I got insurance and that can be a nightmare. I’m at ease knowing... See more

Not worth paying so much for when you don’t fully reimburse for the standard issues that happen multiple times a year or when we provide medical notes that say why our pet needs medication or procedur... See more

I hate that it comes down to this, but you just always read the fine print. They say the claim is processed in 2-3 business days, however what they do not tell you is that it takes 4-6 weeks to revie... See more

I had a great experience with Spot Insurance when I had to take my cat to the vet while she was ill. The claims process was straightforward, communication was clear, and they really came through whe... See more

Spot makes pet insurance easy to understand, and that’s not something I can say about many other companies. I signed up online in minutes, got a multi-pet discount for my two cats, and I like that rou... See more

Very very fast to complete claims, reimbursement was given to me within a week of filing claims. No hassling about anything, was only asked to upload vet records and that’s it. Would recommend ANYONE... See more

When submitting a first claim, Spot keeps insisting on requiring health records for our cat from 1/1/2024 to the present. This cat is a 14 month old rescue with no health history before 10/2025. We su... See more

At my pup's wellness visit, it was determined she may need additional dental work in addition to teeth cleaning. Shortly after that she had an accident and injured her leg. I was able to file both cla... See more

Took me a long time to get my paperwork together, once I got it sent in it didn’t take long at all and I’m so happy that I got money back because I’m on permanent disability, so I really needed it.... See more

When I signed up for SPOT Insurance, I was skeptical about pet insurance. I finally decided to at least try it to avoid any catastrophic emergency coverage at an ER. The basic trips to the Vet are doa... See more

Our dog needed a gum growth and 13 teeth removed. I filed a claim and it was approved in just a few days. It was a very easy process. And when we lost another dog last year and had to cancel her cover... See more

I am so impressed with SPOT's response time, fairness, and the support which is offered on their site. In past years, I have used two other pet insurance companies with little satisfaction. I adopted... See more

Although it seemed like I spent a long time submitting my first two claims, it was worth the time and effort! One phone call and all my questions were answered, great customer service! Within two... See more

What made the experience great is the company’s quick turnaround once a claim is filed. You don’t have to wait long for your money to be returned, which makes the process far less stressful. The claim... See more

This is my first experience submitting a claim for my dog, Teddy. I wasn't sure if Spot will cover most of my dog's medical bill because it was a good amount. Unfortunately, I had to take my dog to... See more