Spot Review
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Reviews 9979 
Ann
First claim went very smoothly
First claim went very smoothly. Thank you
Doug Bates
Easy to submit claim
Easy to submit claim. Clear concise eob
Joe Russo
Covered Most of an ER Vet Visit
I’ve had Spot Insurance for my two rescue dogs for some time and this was the first time I’ve needed to use it. The process was fairly straightforward and easy. As long as my rates aren’t jacked up (or worse, I’m dropped) now that I’ve made a claim, I’d rate the service as excellent.
Lisa
Easy way to place a claim
Easy way to place a claim and prompt response made the whole process less stressful when dealing with our sick pup.
Lori Moran
I’m thrilled with my insurance coverage…
I’m thrilled with my insurance coverage for Molly. I always get something, which makes me so happy
Nancy Crosby
I am very happy I chose SPOT insurance…
I am very happy I chose SPOT insurance for my beloved dog. I had my first experience submitting a claim. It was a great experience. As expected, I needed to submit the receipts for the veterinary treatment provided. Once I did not, within a couple of days SPOT deposited the money owed to me in my bank account. Happy customer!
Kj
Spot has been wonderful and timely
Spot has been great, fast and speedy with reimbursements. They have been amazing also with estimates in billing as well.
Joshua Good
Paid quickly!
Very quick response and the AP is super easy to use! I got my bill paid and couldn't be happier. It's nice to have Spot in case of an emergency.
Constance Gonzales
Quick review and processing of a claim.
Quick review and processing of a claim.
NAKIA D. BANKHEAD , Jr
I’m glad my pets have Spot Insurance…
I’m glad my pets have Spot Insurance when talking to customer service she was very concerned about my pets and wished Christina speedy recovery. Answered all my questions I am completely satisfied!!
Piper’s Mom
Spot is the best
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 not only insurance that covers genetic disorders. Thankfully we got insurance bc at 1.5 years old our Piper has gotten into more trouble than all my other dogs combined. Spot has given us the biggest peace of mind. We will never not have insurance, we will never not have spot.
Carol Hawkins
Very prompt in processing your claims!!
Very prompt in processing your claims!!
Yvonne Whittier
Claims process is easy and efficient
Claims process is easy and efficient. Processing is fast and fair.
customer
Painless & Simple
Unfortunately, we had to use our pet insurance, but Spot has made it painless and simple.
Patricia Lopez
Very happy fast and good service.
Very happy fast and good service.
Lenni
Good service
Good service, fast decisions, you can email and get a return response with a quick turnaround time.
Mindy Wong
We love Spot Pet Insurance!
I truly cannot believe how easy it was to work with Spot Pet Insurance. They make it extremely easy to make claims and have a quick turnaround time.
Deborah San Juan
I filed my first claim
I filed my first claim. The claim was easy to file. They were quick and efficient. I forgot I had a $500 deductible and 70% rate so I received $1125 back from a $2200 claim within a week.
Juan Rangel
The portal is excellent and easy to use!
The portal is excellent and easy to use!
Joe Gill
The coverage offered is excellent
The coverage offered is excellent. Claimes are processed in a timely manner. There are updates available for every step so you are always informed.
Tiffany
Coverage is affordable and the claims…
Coverage is affordable and the claims process is quick and easy
Sabrina Moore
Just overall amazing the claim process…
Just overall amazing the claim process was super easy and straightforward and I feel like if there was ever a time that I needed to reach out, they would be very responsive thankfully I haven’t had to reach out. That’s just how amazing they are.
Shannon Blalack
Easy reimbursement process
Easy reimbursement process, and affordable plans!
Stephanie Marin
Great in Emergencies
I have had some unfortunate emergency situations come up with my cats and each time spot has come through for my cats and me. Best decision I’ve made so far.
Mikyong Barber
Outstanding customer service
Outstanding customer service! When I called I expected the typical runaround businesses give ya, nope! Fully courteous, professional and helpful. The process was surprisingly easy and fast, even being it was the Christmas holiday period. Overall, a wonderful, surprising experience!
Art Jones
Not complicated to submit claim and…
Not complicated to submit claim and rapid direct deposit claim.
Eric Schrowang
Spot pet insurance has been great
Spot pet insurance has been great. We placed Bella on the plan when she was a puppy and did not have to use it for 4.5 years. However when we needed the insurance Spot picked up their part of the tab. Thank you Spot.
Elizabeth Henry
Best pet insurance
I have had the best relationship with Spot! The CS is always willing to have patience with any questions or concerns. You can hear the smile in their voices. My coverage is parallel to none other and processes is extremely prompt. I'm a customer for life!
Jasmine Lusiak
I’ve been with Spot for over a year
I’ve been with Spot for a year now and I absolutely love it! Claims are handled in a timely manner and everything is always taken care of with love and care! I’ve never thought of changing companies because it’s just so perfect
Maria Rocha
They are very efficient in handling the…
They are very efficient in handling the request forms. Also, they have excellent customer service. They are patient when answering my questions. All in all, I’m very happy with their service.
Glenn
Password reset doesn't work. Fixed by the company.
Password reset doesn't work. Thanks for resetting my PW
Angela
Fair and expeditious processing
Fair and expeditious processing of claims.
Deanna Greenway
Great experience!
Provided quick service for reimbursement!
Kathryn A Proulx
My experience with submitting a claim
The process of submitting a claim was straightforward. I was promptly notified if more information was required. The decision regarding coverage was clearly explained and directly deposited into my account. The Staff that answer my phone calls are attentive and concerned about my pet.
Fernando Breijo
Great insurance simply the best
Super easy and very quick payment Simple fill out form submit your receipt that’s it no hassles makes my life easier
Orel Mor
Blazing fast claim processing time
Claim process is a blast with this company, with few simple docs they make sure you get reimbursed blazing fast. best pet insurance out there in 2025.
Brooke Seigrist
All my babies are covered by spot
All my babies are covered by spot. They are fast and fair about the claims.
Donna Johnson
Paying claim
Sent the invoice on Jan 1 and by Jan 2 getting a response
Ursula Bateman
My dog had a tough ear infection and I…
My dog had a tough ear infection and I submitted my vet bills. They reviewed and payed without any issues
Jose De Leon
Little lengthy but good
Little lengthy but good
Ivan
Ecellent Experience
The whole experience was excellent. The support from your team make it easy for the entire process. You guys evaluated my claim real fast and i got answers right away. Too bad i still not getting my refund, just waiting for a check on the mail. Besides that i am very happy with my insurance choice. Keep the good work!!
Janet
So far so good!
So far so good! I did a ton of research and went with Spot as I wanted Unlimited coverage at a reasonable rate. They seemed the best. I submitted 2 claims soon after I started this insurance and they paid what I expected. I had cancelled another insurance as they paid pretty much nothing so I am very happy with Spot.
Jessica Barron
Great job of a quick claim
Great job of a quick claim Turnaround:) It is so great to have a policy that is affordable and truly comes through when you need it. Thank you!!
Eleazar Valdes
I have been with Spot for more than 3…
I have been with Spot for more than 3 years. Last year, my dog Akira fell ill a few times, and I submitted a claim each time; all of them were approved.
Emcee
Extremely Easy
It was extremely easy to download all required forms on your website. When I would sign in to check the status I could see I was in "queued" status which let me know the claim was being reviewed. The only thing is that claims should be processed sooner as I needed to pay my credit card soon so I would not have interest charged on my credit card account.
Geoff Ku
Excellent pet insurance
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 some chronic health issues that have already nearly cost $2,000. As with all of our other pets, Spot has reimbursed me for the expenses promptly and without any administrative back-and-forth. I cannot recommend them enough.
Dorothy Whittier
Spot has met all expectations
Spot has met all expectations in regards to reimbursement and timeliness. I would highly recommend this company.
Consumer
Ease of making claims
Ease of making claims; responsiveness and overall service.
Drew Y
Spot is affordable, flexible, and no hidden strings
Spot pet insurance is much more affordable than some of the other options out there, while offering a high quality product that has flexible options to meet the exact plan you want. Pros: - You can essentially create your own plan by choosing your own deductible and reimbursement percentage to get to a monthly premium that you're comfortable with. - The preventative care add on is something I found helpful since we take our dog in for regular check ups. - I have submitted a few claims already and never had any issues with reimbursement/coverage. You can configure direct deposit, and I've always gotten reimbursement within a week or so of submitting. - The app is easy to use and makes submitting claims very easy as long as you have proper documentation. Cons: - The only con is that they do work on a reimbursement method, meaning that you have to pay out of pocket and submit a claim afterwards to receive reimbursement. This can sometimes be tricky because when the vet is asking if you want to move forward with a treatment, you have to make a decision without having 100% confidence that it will be covered. Spot does have transparent documents that show what is and is not covered, but it can still be stressful to make the decision without 100% confidence. In my experience though, everything that I have expected to be covered was covered.
Ginger Kidd
It was a smooth
It was a smooth, simple process to submit the claim. The turnaround time was better than expected.
Shelley Samocki
A considerate person does help!!!!!
I spoke to one of your representatives who went out of his way to help me get more money on my claim. I did receive 145 more. He was kind considerate and understanding
Maria Hernandez
You were quick to acknowledge the…
You were quick to acknowledge the complaint and take action with your promt response. It’s a great insurance company, I highly recommend you,100%
Thomas
Timely and fair
Exceptionally clear and timely in their reviews of claims, and eminently fair in their coverage decisions. Best insurance company I've dealt with!
Patricia Lystad
Medical issues concerning pets are…
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 coverage for emergency costs is helpful. It took me months to submit my claim due to the emotional loss of my dog. The process was smooth and I felt compassion from those I spoke to that helped me through the process. Reimbursement was timely and so appreciated.
Louis Stortini
The quickness of processing a claim request.
Quick response and the simplicity of submitting a claim. Outstanding phone assistance when needed. Outstanding email updates on the status of your claim.
Rebecca Drinkwater
First time having dog insurance
First time having dog insurance. We brought our pup to the vet. Submitted our recipt by taking a picture and uploading it. Within a few hours our claim was reviwed and we seen a refund to our account the next day. Simple fast and on point. Could not be happier.
Nancy Baker
My experience with Spot has been…
My experience with Spot has been excellent!
Kristin Doyle
Tried and true
Tried and true. Spot covers what they say they will. No surprises
Candace Spence
the quick review process and the amount…
the quick review process and the amount covered by insurance.
Sandra Vazquez
Easy to file!
Easy to file! Very straightforward and the claim was processed super quickly!
C.J.
Spot Pet is incredible
Spot Pet is incredible! We were with a different provider that was super costly and covered nothing. After some research I switched our pup over to Spot and its been wonderful. Clear explanation of benefits. Options to add on preventative care. Easy to use app. I am so happy we switched. I feel the peace of mind insurance provides and Spot is a caring company to work with. Highly recommend.
David Gelchie
Summitted my bills and payment was with…
Summitted my bills and payment was with out question
Lee Jones
Really came in handy!
So, so glad I got Spot pet insurance after my dog had an issue with her eye. The visits and appointments really added up and I'm so thankful to get reimbursed for some of the expense. The claim process was easy and the deposit came quickly. Thanks Spot!
Sheila Kurth
We like Spot for our shih tzu mix dogs
We like Spot for our shih tzu mix dogs We do wellness as well as accident. I don’t feel they go up exponentially. Always fast getting claims processed.
Kathy Harvey Nelson
Great experience
It's easy to file a claim. Fast review and response.
Connie Smith
The rep answered all my concerns
The rep answered all my concerns ! And gave me heads up on checks coming through ( mail and also had me sign up for claims to come on my checking acct ! Sorry I did not get her name she was great !
Andy
Super fast and easy to deal with
Super fast and easy to deal with on my claim. Have had zero issues with them. Highly recommend!
Lisa Hanke
Thank so much for being there when…
Thank so much for being there when Charlie was sick! The claim process was quick and easy!
Edwina King
Spot pet insurance!
Quick response and resolution to claims submitted.
customer
Very easy to submit claim
Very easy to submit claim, very quick reimbursement!
David Davis
Prompt payment and excellent customer…
Prompt payment and excellent customer service.
Vanessa Boutwell
The customer care service was…
The customer care service was responsive through email and was very clear about what I need to submit for the claim. The processing was fast and no hassle. It's worth every penny. It gave me peace of mind knowing that my dog can get the best veterinary care without me worrying about the costs.
Maribel Delgadillo
The turn around was quick
The turn around was quick. Our claim was processed quickly and the reimbursement was quick, as well.
Barbara Walker
Spot Pet Insurance company,Superb.
I have been with this great insurance company for over 5 year's.when my cat,Liza passed away,this insurance company was right there for me,aside for settling my end of life claim with the quickness.This insurance company customer service representative's called me with such heart felt condolences,during the passing of my cat .which is very rare, and then again,Spot Pet Insurance company is very rare
John Carlson
Excellent Service
Excellent Service
Abelardo Perez
Easy and fast
Easy and fast. Great piece of mind
Clarence Larosa
Answered all questions and expedited…
Answered all questions and expedited the claim .
Susan Farber
The instructions for filing a claim…
The instructions for filing a claim were very clear and easy to follow. The response times on the claim and on getting the check were good.
Jamie Popp
Hassle free and Fast
They reviewed and paid 2 very expensive claims within a week. No hassle, I did it all online with absolutely zero issues. My dog had to have her front leg amputated because of cancer, I am so grateful for how easy this process was.
Tina Carroll
Spot was spot on!!!
Spot has been great. We had our first claim this year and it was handled very quickly. They were very clear in what documents I needed to submit and followed up when I omitted one. The payout was only two weeks after I originally submitted. Everyone I talked to was so kind and professional.
Irma Robnett
Getting Spot Insurance was the best…
Getting Spot Insurance was the best decision we made. Spot insurance has worked for us when it has been needed. Thank you, Spot Insurance 😀
Lilly
Easy to use and quick turn around
Easy to use and quick turn around . Makes sending in bills easy .
Andrea
Very easy to claim and very clear and…
Very easy to claim and very clear and prompt reimbursement
Barbara M.
Quick claim process
Quick claim process. Very fair settlement.
Sandy
I submitted my first claim and was impressed
I submitted my first claim, wondering if I was going to be disappointed in Spot, but was very pleasantly surprised. Spot took my claim and within a few days they acknowledged my claim. A few days later my reimbursement check was in my mailbox. I highly recommend Spot Pet Insurance. My dog, Riley and I are impressed with Spot.
Jacqueline Flynn
Spot has been true to their word!
My dog had two emergency vet visits and a hospitalization before the correct diagnosis was discovered and proper treatment administered. All very stressful and expensive. I was concerned about my sick pet as well as the rising costs. Spot responded and paid according to my policy guidelines with no issues and my dog is recovering. Such a relief!
Matt Ericson
Smooth claim process
Our claim was processed in a timely manner and we did not encounter any surprises. We really appreciate it.
Charlotte P.
Easy to navigate the claim submission &…
Easy to navigate the claim submission & super fast turn-around.
Janice Spicer
Pays for routine shot allowance
Pays for routine shot allowance. Although it does not cover the full amount as most vets charge more. I have not had to use it for anything extensive which is a good thing.
Margaret Meyer
I sent in my invoice and the claim was…
I sent in my invoice and the claim was processed within a week. I’m happy with the quick service . The only reason I didn’t give a higher rating was because I had a hard time sending additional information for the claim.
Pamela Schnabel
My claim was explained was reimbursed…
My claim was explained was reimbursed directly to my checking account within aweek
Genia Finney
Spot has best app
Spot has the best app ever. I love it. Submitting a claim is really easy and quick. Love it. Genia Finney
Michael R
Pet insurance is SO important!
I have always used a spot Insurance since the day my dog came home. I just wish that the claims processing time was faster. Also, wish that my veterinarian could submit for me, and I would not have to shell out all the money out of pocket. Coming up with over $10,000 unexpectedly is extremely difficult and financially a major burden.
Linda K
Very quick refund
We received our refund quickly for the service our dog needed
S B
We've been using Spot for a couple of…
We've been using Spot for a couple of years now. We had our first claim a couple of weeks ago and the process was fast and easy. Everyone was also very friendly, though most of the process was automated.
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