Spot Review
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Reviews 10557 
Stephanie
Easy to submit claims and receive…
Easy to submit claims and receive reimbursements. Online platform is great!
Linda B
I submitted a claim on Tuesday and by…
I submitted a claim on Tuesday and by Friday it was approved. I’m so grateful that spot insurance was able to help my cat in a time of need.
Chelsea
Prompt
Prompt, detailed responses, continuous access to my claim. Speedy process.
Jenny H
I'm grateful to Spot for so quickly
I'm grateful to Spot for so quickly, and helpfully, processing my claim.
SA
Claim reimbursement
Timely and helpful
The Gated Dock
Great so far!
So far they have covered my claims and been easy to work with and prompt to reimburse. Happy with SPOT:)
Kim
Great and easy system to use
Great and easy system to use, did not give me a hard time at all to submit my claim. Especially during such a stressful circumstance with my dog.
Lenora H
Placing a claim is so easy
Placing a claim is so easy. No complicated forms to fill out, just easy instructions. Check what dog seen for, and continue on to the end. Communication is great with company, if anything is needed, they send a email letting you know what's needed and also your vet to get what is needed. Payment is fast,and if you have direct deposit, they'll send it right to your bank. Customer service is very friendly and so helpful if questions are needing to be asked. This is the first time I have ever used a Pet insurance, and I am so happy that I chose Spot Pet Insurance.
Monica Smith
I have been overall quite happy with…See above. Note- I reviewed the entirety of my experiences with Spot for this review, not just one visit. This includes the reasons why I like Spot.
I have been overall quite happy with Spot Pet insurance for my cat, until my last claim. Whereas my rating would have been at least 4 stars until that time, it is now 3 stars. I am hopeful this will escalate again. My positive comments- Spot claims are easy to submit. Spot has received my invoices and medical records, and then responded within 2 weeks with payment. I had heard that they would repeatedly ask for records they already had on file, but this did not happen (until my last claim.) I am very happy with the Spot coverage not only for vet care, but also for exams, and Rx food. I have Trupanion for all of my other animals, and they do not have these latter two options. In addition, and most importantly, you also offered coverage for my cat starting when he was 14 years old. Whereas, my long term pet carrier Trupanion would not do so, despite me having had numerous past and present pets insured by them. But, you cover senior animals of any age. I am very grateful for this Spot policy, especially since I often have adopted senior animals and expect I will again. Also, regarding your competitor Trupanion, a) I do like the usual 1 to 3 day turn around for reimbursement, and b) the software agreements they have with so many vet practices. This enables me to pay just my 10% of cost, plus the exam fee, when I leave a vet visit. It is not necessary for me to pay the bill in full and then wait for reimbursement. That being said, I can live with a 2 week turnaround from Spot. Because, as I said previously, Spot covers more of the actual full veterinary costs for my animals compared to what Trupanion pays. So, I can wait. So, for all of the above reasons, I had decided that I would go with Spot vs. Trupanion when I bring another cat into my home soon whom I am planning to adopt. She is a much younger cat, so I could go with Trupanion again, as I have done for years. But, overall I have liked Spot's plan better, and decided to go with Spot. HOWEVER, my last claim with Spot was problematic. Here are my negative comments/ feedback. These are offered with the hope that you can use these constructively and enact some changes regarding the issues I encountered with my last claim. This experience has prompted me to rethink whether to go with Spot, or with Trupanion, or perhaps with Pumpkin, for the new cat. Things unfolded with my last claim in a way which matched what people had warned me about concerning Spot, and not just Spot but some other carriers as well. For this claim, I was asked for past invoices for each visit to one of my vets going back in time for a full year. Yet, these very invoices, and those from his other vet as well, had ALL been submitted previously. I had provided these for each of my claims, so these were there in my records with Spot. Nevertheless, I did comply and re-submitted these invoices again. I tried to upload them on my Spot portal site. However, the icon which was sent to me in the email from Spot would only permit me to upload one invoice pdf. I had the additional requested invoices for the past year to resubmit, yet I could not accomplish this. (When we submit an initial claim, we are able to add more than one document. Not sure why this was different.) So, I called Spot. Your representative gave me the email for your Records department. I was told that Records would then pass the invoices on to the claims people. So, I sent these to Records. Then I received another request a week or so later by your claims processor(s) which reminded me that they required that I submit all the invoices for the past year so that they could process the most recent claim I had submitted. I then again called and checked with your Spot representative. I found out that the invoices I had re-sent to your Records email had never been forwarded on to claims review. Or, if these were sent over, they were never attached to my claim. I rely on the reimbursements not just for cost recovery, but also to put in a fund so that I have it available for use for my cat's future vet care. So, my thought was if this is now going to be the new norm for how Spot processes claims after being with them for awhile, then maybe I ought to reconsider another carrier for the new cat. So, that is my feedback. Overall, I am happy with Spot. The majority of experience with Spot is good, and I appreciate your coverage options. However, I do have some new concerns now, which I am hoping you can rectify on your end. If you can, I will keep using your company for my upcoming animals. Thank you for asking for honest feedback.
Sara Davis
very nice
people were polite and professional
Hunter
Very satisfied
We unexpectedly had to pay for a $10,000 emergency surgery to save our dog. Spot coverage was exactly as advertised and eased the burden on us greatly. I would highly recommend. Very thankful we had it.
Shirley Carbullido
Claim processing is fast and efficient
Claim processing is fast and efficient. My reimbursement came in quickly.
Claudia
thanks
thanks, thanks.
Morgan
Just do it already. It's 100% worth it.
I feel like I should be a spokes person for pet insurance at this point. Spot has been absolutely easy and pain-free to work with. The claim process is incredibly simple and their process time is quick, making it even faster to get reimbursed. I tell everybody about spot, no joke. At this point, I should get it tattooed on me... And I'm not even exaggerating. If you are on the fence, just do it. Spot helped me and gave me peace of mind and they can do the same for you.
Susan Koons
So far I haven’t received any benefits
So far I haven’t received any benefits
Emily
A Lifesaver
The peace of mind I have knowing I can get my girl the best possible care is invaluable. I’ve had Spot for years now and had to use it recently (only my second time) and the claims process is easy and quick. Thank you, Spot!
DK Peterson
Had the insurance for a few years
Had the insurance for a few years. When I needed them they were there.
Tressica Mckee
Easy and fast
Easy and fast
Caroline Simson
I've had good experiences with…
I've had good experiences with spot..when I had to cancel for budget reasons it was pretty straightforward and when I was able to renew that was easy too. Since then I've had several claims for my cat and they've been paid promptly. Thanks spot!
Leslie Allen
Timely response on Claim submissions
Timely response on Claim submissions. Easy app to deal with too!
K S
Seamless reimbursement
My German Shepherd starting having issues with allergies and digestion. The vet bills were covered and the reimbursement was seamless!
Jana Gregory
Great service
Allowable amounts for the services are reasonable and it is very easy to submit claims for consideration. Claim payments have been very fast too. So far, very good experience and results. Thank you Spot Pet. I truly appreciate it.
Judith Murray
Excellent customer service
Excellent customer service and questions answered. Our claim was processed and paid quickly.
MW
Amazingly easy and quick process.
Amazingly easy and quick process.
Kevin Kreiser
I am glad I have Spot pet insurance
I am glad I have Spot pet insurance. When I submitted a claim they handled it quick and efficiently no questions asked.
Jesse Ortiz
SPOT is best
After speaking with Trish I was put at ease and was given instructions on how to fill our claim and what to send receipts and where to send them. I received text that our claim had been received and we should be hearing from SPOT soon. We are so happy with SPOT. Thank you.
Jacque
Great Pet Coverage
Great pet insurance and so easy to manuver thru. My advice is to get the coverage of all three because you don’t know what your pet may need. The only regret I have was not getting my puppy full coverage. They are great at paying the claims pretty quickly. Within a week.
Leonard Di Risio
Mixed review
Excellent coverage, however price increased was unexpected last coverage period compared to previous coverage with virtually no explanation
Liz
The process for a reimbursement isn’t…
The process for a reimbursement isn’t too long!
Soltic II
Great service
I uploaded the documents and they did the paperwork and then I got paid.
Marcy Thomas
It was very easy to file my claim
It was very easy to file my claim. I am very happy with how quickly it was processed. I recommend Spot to my friends and family.
Jennifer Montgomery
It was very quick and easy to file a…
It was very quick and easy to file a claim for our dog. I also like that Spot is the one who contacted the vet for the info they needed, instead of me trying to figure out if I got everything.
Francisco Cabrera
They easy to work with
They easy to work with, the claim is easy to filled out
Jessica Lopez
There have been some claims that don’t…
There have been some claims that don’t offer more coverage and i was hoping they did but they compensated me for other claims with more coverage thankfully
RAMZI E NAJJAR
Good company
Good company, decent premiums. Responsive
Sara
Super Quick Claim
I made a claim and it went through very quick with all the details of the claim.
Mary Ella Dubreuil
Grateful!
Spot has taken the stress away from providing my dog with good care. The process is straight forward. Reimbursement turn around time is good.
Lisa
I have used a number of pet insurances…
I have used a number of pet insurances in the past and none of them were as good as Spot insurance. So far, I have had nothing but good experiences. They paid the claims fairly fast and seemed to be very honest. And make the process as easy as possible.
Kurt Farris
Our claims have been promptly taken…
Our claims have been promptly taken care of. Kurt farris
Maura I.
The best insurance
Always processes my claims on a reasonable time. It is so reassuring that spot will have my back whenever my pets get sick and in an emergency. I have recommended spot to 4 other people that needed insurance and they like it too. The price is incredibly reasonable as well.
Renay White
Great and quick service!
Great and quick service!
Chrles
Makes the claim process easy and fair.
Makes the claim process easy and fair.
Debbie
Paws Above the Rest!
I’ve had different pet insurers over the years but kept switching because one thing or another didn’t agree with me. Spot is paws above them all. I did a lot of research when I decided to switch plans a few years ago and chose Spot after speaking with them. They had no problem covering my old timers, which is rare. In terms of policies, premiums, coverage and customer service, I’ve never been happier.
Michelle York
You guys did a great job on Jimmy's…
You guys did a great job on Jimmy's claim. Very quick to respond.
Leisha Blake
Highly recommend
Very professional and didn't hassle me about getting my reimbursement
customer
Great Service
Great service and fast claim process
Nunziata Servodio
APPROVAL FOR VET REIMBURSEMENT AND PAYMENT IS QUICKNESS
The prompt confirmation of staff that receives claims and sends confirmation email and the quick review TO REIMBURSE ME ASAP and APPROVAL for my pets expenses with doctors vets emergency visits.
Trel M
Quick and easy to file claims always…
Quick and easy to file claims always allows me to handle all my vet bills with ease !
BJL
Prompt and fair transaction- thank you
Prompt and fair transaction- thank you
Karen DeJose
Submitting the claim and receiving…
Submitting the claim and receiving payment was seamless. I’m extremely happy with how my claim was handled. Thank you Spot!!!
Kevin Dunn
Legit and quick!
Legit and quick!! This Pet Insurance company is the best all around even when I have problems updating, uploading or just questions they are always friendly and helpful. They’re just the best.
Biebs
Clear Communication and Help
I've had clear communication and apreciate the help that Spot has done. My pet (and us) went through a very stressful illness moment, and it's good to know that Spot is there to help us out.
Stephanie Imhoff
Filing is quick and easy
Filing is quick and easy. Claims processed quickly. This is the best, least stressful insurance ever!!
Megan Kennedy
The claim process is easy and we got…
The claim process is easy and we got reimbursed very quickly! It made our dog having an injury a much more manageable process for us.
Teri Ridings
It has been simple easy and timely
It has been simple easy and timely Thank you for helping me with my lovely fur Baby Missy Mae
Bobby Edwards
If you truly love your pets
If you truly love your pets, pet insurance is a must-have. My beautiful English Cream Golden Retriever went in for a routine tooth check, and thankfully, my excellent vet detected a minor heart murmur during the exam. I immediately took action, found a veterinary cardiologist, and got her heart thoroughly evaluated to determine the next steps. The combined cost for the two vet visits plus the specialist consultation came to nearly $1,000. Thanks to our Spot pet insurance, our out-of-pocket expense was only about $175. At 6 years old, my ECR is just as precious to our family as our children. If you want peace of mind, the ability to provide the best care without financial stress, and to keep your beloved companions healthy and by your side for as long as possible—pet insurance (like Spot) is one of the smartest investments you can make for them. It's worth every penny.
askanexpertonline.com Customer
Prices reasonable
Prices reasonable. Quite quick response to claims.
Sheldon
Has the best policy options
Has the best policy options. I got 90% coverage with only a $100 deductible. Unbeatable. Hopefully ill never have to use them but I suspect they are easy to work with looking at other reviews. Best deal thats for sure!
Sandra Townend
Worth the expense for peace of mind.
Fast claim settlement.
TJ
super easy to submit claims and get the…
super easy to submit claims and get the insurance you want
Georgia Lawrence
The app makes filing a claim easy
The app makes filing a claim easy. Claims are processed quickly.
Sherri Reily
Spot Insurance is a great company to…
Spot Insurance is a great company to work with , very easy claim process . Will recommend to my family and friends .. I have been extremely happy with this provider
Ana Kosaka
Never say you'll never need it
Never say you'll never need it! Our dog got sick unexpectedly, week after week, and the expenses started piling up. I had been paying for the insurance for almost 2 years without needing it and now I get to enjoy the benefits. It's such a peace to know SPOT has had our back and that the financial burden is lifted.
customer
I submitted a claim and it was easy to…
I submitted a claim and it was easy to get reimbursed
Rasheen Castro Sarmiento
Spot is the BEST!!!!
Spot is the best pet insurance that i have found. To offer 80% back on all expenses is a major plus.
Patty Hawkins
Easy to work with
Easy to work with, prompt response.
Kelley F
Having Spot insurance provided us a…
Having Spot insurance provided us a level of comfort in ensuring we provided the best possible care for our Golden Retriever. Spot Insurance exceeded our expectations and will forever maintain a policy with them.
Kyle Schu
I love everything about it thanks so…
I love everything about it thanks so much
Nicole Regan
Worth every penny
A good policy is nothing if the insurance company fights claims or is unclear in any way. I’ve had 100% clarity, defined expectations and absolutely no headaches when claims need to be filed. I’ve recommend spot to friends and family, for their amazing coverage and exceptional service.
Laura
Cover over half of my pet expenses
Cver over half of my pet expenses. Reimbursement is process quickly especially using acch.
Debra R.
Sidney my Lil Girl…Happy Cat
My cat Sidney had surgery for a bladder stone. I submitted my claims to Spot Ins. and they are processing those claims as we speak! Very helpful. I didn’t have preventive. Only Accident snd Illness, but they paid for most of the surgery! Very happy about the results!! I did have to push them to view my case! Very Impressed tho, fast results. 5 stars!!
Erika
Less anxiety, more coverage
Easy to submit a claim. Easy to upload paperwork needed. Very quick turn around for reimbursement. Took some of the anxiety out of going to the vet.
Ellen Eddy
I'm thankful I have Spot Pet Insurance…
I'm thankful I have Spot Pet Insurance as my 5 year old boxer has lymphoma. Because of Spot, I have been able to get her treatment/chemotherapy that I would not have been able to afford on my own. It's easy to submit claims and I have been quickly reimbursed by Spot. It would be great if the annual cap was higher given the current cost of veterinary care.
Maria Grimshaw
Timely
Timely, responsive, and fair. Very pleased with Spot and all that they cover. Jack is my best friend and want only the best for him. Spot helps me do this. Thank you Spot!!
Willie Radu
It was so easy to send a claim for my…
It was so easy to send a claim for my dogs. They are prompt with reimbursements.
Huni Fulgham
Really quick response to claim
Really quick response to claim. It is quite easy to submit a claim. You all could teach human insurance companies a few things!
Admir Ademovic
Good experience
Good experience
RONALD C.
Very easy to use
Very easy to use, and fast payment
Mary Richardson
Great coverage
Great customer service and coverage
Celso Castilho
My dog had an important health…
My dog had an important health condition which required urgent and expensive intervention. Spot evaluation on the reimbursement was quick and straightforward. Very happy with them.
B C
Very happy with Spot Pet Insurance
We've been very happy with Spot Pet Insurance. They have many coverage options at competitive prices. If you need to submit a claim, it's an easy process. If you need customer service, they are very helpful.
Avonte Jackson
Spot insurance made it so easy for me…
Spot insurance made it so easy for me to submit my reimbursement for medical expenses for my doggie. Highly recommend
Sherry Young
Spot Came Through
Using the Spot app made it easy to enter my request for reimbursement. I was very pleased with the speedy review and quickly received a check.
Betty J Fink
Easy to file
My dog needed to go to emergency Vet twice because he ate a dead iguana on the side of the road which can be deadly. Spot Hero was so easy to file a claim with and quick to reimburse
Gayla Fontaine
Easy to send in vet bills
Easy to send in vet bills. Fast payment.
Michael Montalbano
SPOT Insurance
Easy to use, coverage is clear, and great customer service.
Richard
SPOT is very prompt and fair with their claims processing service.
My little cocker spaniel dog suffered a cut on his paw so I took him to my local vet. I got the bill and paid it. I submitted the bill to SPOT Pet Insurance and 5 days later it was paid and SPOT had sent the reimbursement to my bank via direct deposit. Great service and a very fair coverage.
Janice Signor
Easy to file a claim
Easy to file a claim
Tom & Cookie
Spot Pet Insurance has been a lifesaver!
Spot Pet Insurance has been a lifesaver. I've never carried pet insurance before ... but this time I did and when my puppy got sick they were great to work with. Easy to use website for claims submissions and easy to work with their customer service team should a phone call be needed. I look forward to our continued relationship. Thank you Spot!
Miguel Reyes
Great customer service and follow-up!
Great customer service and follow-up!
Cindy
Claim submission is so easy!
Claim submission is so easy and the response time is quick. Highly recommend!
Catherine Ricci
Reviewed our claim and paid our account…
Reviewed our claim and paid our account within a few days
Ann Wilson
Spot is a great pet insurance company!
I am so glad I went with Spot Pet Insurance. In the first month of having the insurance our 7 month old Basset hound had to be spayed and then she accidently ate a needle with thread. She required emergency surgery. Spot was so easy to file a claim and they completed our claim in one week with a reimbursement to our checking account. I highly recommend this company!
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