Spot Review
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Reviews 9820 
Maria Pizzimenti
When I called with questions rhe…
When I called with questions rhe responses were super helpful and easy to follow. app was easy to use.
John Vitto
Quick response when I put i happy customern a claim…
Quick response when I put in a claim paid very failing. Great insurance.
Brittany Patterson
They have been amazing
They have been amazing
Donna
Filing a claim is easy
Filing a claim is easy. Have always received prompt response for processing.
Ashley D
Quick and easy!
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. No hassle whats so ever and the processing time was a lot quicker than I was expecting. So thankful to have spot when my dog needed emergency surgery during the holiday season, having to cover all those expenses without reimbursement would have been so stressful.
Teresa Brumlow
Amazing service after my two dogs spent…
Amazing service after my two dogs spent a weekend in the Emergency Vet Hospital. Reimbursement for their costly treatment (possible toxin ingestion) was fast and easy to file.
Anurag Misra
Excellent experience!
Excellent experience!. It was so fast and smooth. I submitted the required documents and I got the money right into my account within two weeks. Great work Spot team.I highly recommend Spot pet insurance. 5 star, 10/10 rating. Thanks a lot for your services.
Terry Newton
Website self explanatory
Website self explanatory. Customer service very helpful. Quick to handle claims
Penelope Bartenstein
Prompt and through service.
Prompt and through service.
Beth
Claims are done in very little time and…
Claims are done in very little time and easy to complete
Steven
Super Supportive!
I’m very thankful with how well Spot has handled each claim and going above and beyond.
Alexa Jordan
Difficult Company to Work With at Time
I had 2 major issues with this insurance but they have so far covered my recent claims. The first big issue I had was after activating my accounting and waiting the 14 days I was approved to start submitting claims. But then after submitting a claim I was told my cats were not of age at the time I activated my plan so the coverage date would be pushed back and therefore my claims were denied. I ended up loosing a lot of money over this and I found it extremely frustrating that I would not be reimbursed for a mistake made by the company. They should have never approved me for coverage in the first place if I wasn’t qualified. The second issue I had was that the insurance would not process my claim because they kept requesting records from before my pet was even born. It was impossible to get ahold of someone and they definitely outsource their call center so it is hard to communicate and get issues resolved. Eventually that dispute was settled but I was so close to canceling my plan due to these issues. I’ve invested a lot of money into this insurance and the reviews are good so I’m hoping I don’t ever run into any major issues ever again.
Schnicka Singleton
Thank you for taking care of my pet…
Thank you for taking care of my pet claims. You made it an easy process.
customer
Spot took care of contacting the…
Spot took care of contacting the veterinarian to acquire the necessary notes, which made it easier for me to file the claim.
Sophia Ramirez
Amazing services
The customer service was quick and very helpful. Filing for claims is a breeze. And I’ve used the 24 hr vet line and they were immensely helpful as well.
Maya Romero
Very great
Very great! I highly recommended it.
Aman Ullah
Very good app
Very good app
Casey Martin
Peace of mind when you need it
I kept Spot for years when I didn’t need it for the unfortunate moment recently when I totally did need them. Thank heavens I did. They processed my claim promptly, which now allows me to invest in some rehab for my poor pup. I might not have been able to afford that if not for Spot. Thanks, team!
customer
They make everything easy
They make everything easy. Great customer service
Kathy Carello
They made sure everything thing was…
They made sure everything thing was right and helped me.
monk fish
Customer service is very friendly and…
Customer service is very friendly and the claims are processed usually within 2 weeks.
CB
Prompt payments
December 2025 - Spot reviewed and approved veterinary claims quickly and once I hit my cat's deductible, made prompt reimbursement payments, including on emergency veterinary care that was quite pricey. I experienced no trouble or hassle and am so far pleased with their service.
T McFadden
Easy Claim Submissions
Spot makes submitting claims so easy and their pricing is also very affordable. I’ve had a great experience with Spot.
Diane Mack
Very easy to file claims
Very easy to file claims. Once I received the invoices from my vet, I was able to log in and file. The one thing that I didn't realize was I only had 270 days to file, I unfortunately thought I had the calendar year to file. I lost out on all of the preventive services because they were at the start of 2025. This won't happen again.
Chris
Great support staff and customer…
Great support staff and customer service - were super helpful, and processed my claims fast. Definitely would recommend.
Jody Strickland
Incredible Impressed
I am so impressed with how fast the claims are processed & paid out. A very easy process & it's also easy to access customer service.
A A
Professional and knowledgeable. Easy to file claim with quick deposit
Easy to file claim with quick deposit response time.
Alexandra Claude
The Best Pet Insurance
Affordable monthly pricing and it's very easy to submit a claim through the app. The turn-around time after submitting a claim is great too.
Melba
Hassle free experience
It was really easy to submit my paperwork! I got the refund deposited into my account hassle free. Thanks to Spot, I was able to have my Dunk taken care of with minimal damage to the wallet :-)
Practice Test User
I am so happy my family purchased…
I am so happy my family purchased insurance. Having pet insurance saved my dog’s life. I really cannot think of the outcome had we not had it. Spot has been great with quick turn around on review of claims and reimbursement. I am thankful, truly.
Rebecca Johnston
Soooo easy and quick payment
Soooo easy and quick payment
Michael Stefonetti
Efficiency
Quick review and payment
Amanda Eastham
Spot has been helpful in some ways
Spot has been helpful in some ways. They do not seem to actually review high cost concerns, and you have to appeal for reimbursement. Such as last year my dog needed a root canal, which Spot will cover the tooth being pulled but not a root canal, however it being a broken K9 it was not recommended to be pulled by either vet. Spot did not want to cover any of the procedure because it was labeled as a root canal, even though they would’ve covered almost the exact procedure if the tooth was pulled, ie sedation, images, medications, etc. Spot also does not provide any information why something is or is not covered/reimbursed at the end of a claim. You have to go through their customer service to get answers on any claim. Now that there are several other pet insurance companies, I will be looking into others to see if there is better or easier coverage.
Janet Knox
Helpful information
The Spot associate that talked to me on the telephone yesterday was quite helpful. She helped me evaluate what I need for my two fur babies.
Kelly
Pain free and easy claim process
Filing a claim was really easy and I received exactly the amount back that I was expecting. I couldn’t have asked for it to go better.
Kathy Myers
Claim Process
Claim process was very easy to complete.
Bernie in AZ
I had recently submitted an Emergency…
I had recently submitted an Emergency visit claim and Vet Follow up visit claim within the last week and just received the follow up responses. Thank you to the Spot Insurance team for making this pet owner feel their choice was worth it and right for our family’s needs.
Coleen Graves
Great customer service
Great customer service
Kelsey
Easy process from start to finish
Claim processing was super quick and easy, and I’ve always received my money back promptly!
Rue Johnson
Great service
Great service. Quick claim service!
Loryne Rodrigues
Great experience!
So far my experience has been very positive with Spot insurance. This year my cat got sick a lot, and after the deductible amount, everything according to my policy was reimbursed. Easy to file the claims and fast reimbursement as well. I’m very happy with them!
Snowed in
You make it mostly easy to file a claim…
You make it mostly easy to file a claim and I get paid back pretty quickly. It's nice to have insurance for my pets
Sarah Smith
So helpful in my dogs time of need!
So helpful in my dogs time of need!
New Samuel's Customer!
Thankful for SPOT's communication, professionalism, and fast resolution of my claims!
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 days, the claims were in the "Processing Phase". In one week, my claims were completed, and the money was transferred via an ACH transaction into my bank account! Thankful for SPOT's communication, professionalism, and fast resolution of my claims!
Renee Hubbard
Claim Processing Was Timely
Processing time for my claim was good. I had to print a claim form, fill it out and send a copy by email. The online portal didn’t work for me for submitting my claim. I’m not sure why they wouldn’t pay for sales tax or medical disposal fees, but those were minimal, so overall, I gave them a four star review.
Beverly Martin
Great service!
Great service!
Chang Cui
very responsive and flexible
very responsive and flexible
Ron Nevinger
Simple is best
Everything is simple to use in your claims process. Quick feedback and results
KELSEY
Fast and easy to make a claim
Fast and easy to make a claim. Was reimbursed in less than a week.
Samantha Newman
I love spot they are a great partner…
I love spot they are a great partner for me and my pet!
Yelena Solovey
Fast response to the claim process
Fast response to the claim process
chemmy K
Spot Pet Insurance offers comprehensive…
Spot Pet Insurance offers comprehensive coverage, easy claims, and excellent customer support. A reliable choice for keeping pets healthy and protected.
Christine C Zale
Reimbursement received in timely manner.
Reimbursement received in timely manner.
Sandra Ledbetter
They did not cover expenses I thought…
They did not cover expenses I thought they would.
Karen Clements
I pay out way more than I ever use
I pay out way more than I ever use. I wish they had prescription drug coverage and pay for more vaccines.
Irma Devich
Talking with the staff was very…
Talking with the staff was very pleasant but I’m still waiting on the results of the information I sent in
Michele Langley
Turnaround Time Isn't Great
I was hesitating giving 4 stars, but as I'm a newer customer, I wanted to be fair. I submitted a claim over a week ago, and I just checked the status of my claim and it still says submitted. It hasn't even been queued for review yet. I've had insurance with two different companies with previous pets, and the longest I ever waited for a claim to be processed was 5 days, but they were usually completed in 1-3 days, and that was a few years ago when you'd expect things to move slower. If they need additional information then that will add on even more time. I'm glad I am only satisfying my deductible and not wait for reimbursement. I chose Spot because I'd been told and had read they have fast processing times. When I submitted 8 days ago and it's not even in the queue yet, I wouldn't call that fast. It still has not be queued, assigned, or reviewed. I only wonder how many more days it will be. The first claim I submitted was wellness, and that took 9 days, but I figured that it was my first claim and the rest would probably be faster. Well, it's day 8 and it's still just sitting there in a virtual pile...LOL
William R
Great service so happy I chose to do…
Great service so happy I chose to do business with spot. My dog is healthy and happy too.!!!!
Flossie Jack
Easy to submitclaims and quick response
Easy to submit claims and quick response
Rebecca Hart
Easy to use app and quick to be…
Easy to use app and quick to be reimbursed
Debbie Campbell
Submitting a clam and the approval…
Submitting a clam and the approval process was quick and easy.
Heather Orozco
Wonderful
Wonderful! Prompt resolution of my claims. :) Very happy with Spot for my kitties.
Stephen Shy
Great service
Great service
Katie Coyle
Quick review of claim and processing!
Quick review of claim and processing!
Edgar Garcia
Very Quick Claims Service.
Very Quick Claims Service.
DeAnna Campolungo
Great Customer Service
Great customer service Very friendly and quick as well as easy to file claims ! Always asks about Giovanni
Carren Sturgis
I just had a hard time with entering…
I just had a hard time with entering the bills.
Reuben Acero
Spot has always been good to my pups…
Spot has always been good to my pups and would recommend to anyone
Susan Smith
Response to questions was good
Response to questions was good. Explanations of claim were explained well.
Callie Matthews
THANK YOU SPOT!!!
Was super easy to file a claim for my kitty when he was injured, received my refund about 2 weeks after submitting. They covered everything they said they would with accordance to my policy. 10/10
Eileen ORourke
Great customer service!
So far my claims have been honored on a timely manner and I always get a quick response when emailing or calling which is very unusual these days in customer service!
Joyce Nuzzo
Great turnaround time for reimbursement…
Great turnaround time for reimbursement but would like to see higher levels of reimbursement for covered procedures/vaccinations. Only 38% of my visit were covered.
Joseline Delgadillo
Service has been great
Service has been great. My claims have been processed and approved within weeks. Thank you! 🐶
Viviana Herrera Lozano
My cat got sick I took her to the…
My cat got sick I took her to the emergency vet and a few follow apoitments too when I did the claim they respond to me and refound the money after my copay. So I thk you so much that this transaction was fast that inspected
Keith Pasquinzo
I like having the insurance for my…
I like having the insurance for my family member but I dont understand why when I submit a claim I receive an email from the claims department that my claim is missing something. I am only told my paperwork is missing something and incomplete. After I reply asking for clarification and pointing out that I included the invoice from the Vet I then receive another email a couple of days later approving my claim but not telling why I received the initial email. Otherwise the process is easy.
Benjamin Hester
It works as advertised
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 sure you understand the rules. But overall, I’ve been satisfied with the service. Worth noting is that it’s also fairly expensive so it’s entirely possible for the cost over time to be more than the rebates issued.
Kelly Hanson
So far so good in my first year of…
So far so good in my first year of coverage. Pay outs are quick and staff is very friendly
Heidi
I submitted my puppies claim and the…
I submitted my puppies claim and the turn around to get reimbursed was so quick!!
Kat
So easy to submit claims
Very easy to submit claims! I was expecting a lot of back and forth, or having to push for updates, get info from my vet, etc. but it was actually so easy to do right from my phone. The claims were processed and accepted in less than a month. Very happy with the service, and now I can focus my attention all on my cat’s health.
Kenneth W Turoczy
Responses have been quick and fair.
Responses have been quick and fair.
Deborah Vannostrand
Get it, you won’t regret it
Easy sign up. Have gotten great service. Claims handled quickly and fairly
Lisa Dixon
So glad I had spot they covered a
So glad I had spot they covered a. Emergency vet visit quickly the process was very easy. The claim was resolved and paid within 10 days. Spot recommended to me by my vet.
Melissa Slonaker
Love spot insurance
So glad we decided to get our puppy insurance, especially since our pup was diagnosed with bilateral elbow dysplasia. Customer service was great and filing a claim was fairly simple. They took care of everything and paid the claim in a timely manner. So glad we have spot insurance !
KKF
Spot Insurance - The Best!
Spot Pet Insurance has been very responsive and has a quick turn-around time. Have had a very positive experience with them. Highly recommend.
Leticia Ramos
very quick and easy
very quick and easy
Jennifer Lindsey
My puppy had to have surgery…
My puppy had to have surgery unexpectedly. I submitted all the paperwork for the claim and after the deductible the amount owed back to me was deposited to my account in a matter of a few days. Great response time.
Stephanie Mckiernan
Submitting claims were easy online
Submitting claims were easy online; reimbursement was quick; itemized items not covered were clearly marked and explained.
Robert Moran
User Friendly
Very user friendly online process for anyone with a smartphone and a camera. Very clear instructions on claims. Very prompt responses.
Rochelle
Quick and easy!
Claim process was super simple and straightforward. The funds were direct deposited into my account in less than two weeks. Such peace of mind knowing I can care for my cat without going broke!
BJM
Claim process was quick and smooth!
Claim process was quick and smooth!
Rosa Aquino
I sumitted my pets Medical
I sumitted my pets Medical Bills and they were review As soon as they summitted and they took care of the Bill right away.
Melissa Cuadra
Spot has always been a seamless and…
Spot has always been a seamless and helpful insurance for my dog and I. The app is extremely helpful and pretty much answers all your questions. Love it and will renew next year as well!
Grace Huang
Very fast response and reimbursement…
Very fast response and reimbursement mail. Thank you.
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