Spot Review
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Reviews 8539 
Edward Thrombley
Excellent customer service
Excellent customer service. Friendly representative service. Claims processing is fast and no hassles.
Karlin
Love them!
I’ve been with spot since 2022 and I love them so much. I always feel at peace knowing that I have insurance with them
Andrew Gorczycki
Quick response
Quick response
Alyssa Jenkins
SAVED HER
you guys are the reason i could save my baby girl! thank you blessing from God thank you
Emily
Lifesaver insurance
SPOT pet insurance has been a lifesaver. I have a 6 year old Miniature American Shepherd (mini Aussie in layman’s terms) and she means the world to me. I pay for SPOT’s preventative coverage as well as accident/illness coverage. They have always reimbursed me for the available vaccinations/bloodwork/annual visit covered under preventative care. On June 16th, 2025, my dog presented with bloody vomit and diarrhea. I was able to take her to her primary vet immediately, and after examination and bloodwork they suggested the emergency room. My dog was diagnosed with hemorrhagic gastroenteritis (HGE) and needed overnight support. The total of both the primary vet visit and the ER visit was $3800. SPOT reimbursed me 80% as promised within 4 business days of submitting a claim with itemized receipts and a description of what happened. It was an incredibly stressful situation but some of that stress was absolved by knowing SPOT had my back. I would recommend SPOT pet insurance to anyone. Just make sure you read the policy of the plan you choose to know what’s covered. I’d happily pay $65 a month for top coverage for the rest of all of my animals’ lives to have peace of mind in case of an emergency.
Gina
Very smooth process-paid exactly what it said it would cover
Very smooth process. Clear on what they do and don’t cover. I had some high bills from a couple of emergency vet visits with my cat and there were no issues or arguments on what I could claim. Would def keep using. I don’t know what I would have done if I hadn’t insured my cat. The overall bills came to around 7000 but I only had to pay around 1500 with insurance.
Dilshad Sheikh
Peacefully I can take mowgli to…
Peacefully I can take mowgli to hospital or doctors if anything happened to him No need to worry about money, glad to have spot insurance for my lovely mowgli.
Gloria
Great experience
How fast and easy it was to file a claim.
Cheryl Blackwell
I submitted a claim for my pups ER…
I submitted a claim for my pups ER visit and I was asked to resubmit all of his records for the past year again!! 44 pages of info!! I was told by the first representative that they didn’t have his records which was to me very upsetting since I had to email everything when I opened the policy. I had to call back to get a representative that was very helpful and found his information. She was going yo get my claim looked at again right away. I also don’t think I’m being reimbursed correctly.
Veronica C.
Spot has been a great insurance
Spot has been a great insurance. It's easy to pay, easy to upload the invoices and they send the reimbursement fast - right after you meet you deductible. I haven't have any issue with them. I am really really happy.
Christine Mardigras
Claims and Reimbursement
Very easy to complete/submit claim and reimbursement is fast
Chuck C.
Highly recommended
Excellent customer service during sign up with clear communication of coverages and extremely strait forward coverage with no hidden fees or restrictions. Had one claim and simple, quick and fast reimbursements.
Vuillermet
Spot Pet is the best …
Spot Pet provides a user friendly platform to submit claims. Claims are reviewed quickly with fast decision making . So glad we have Spot Pet over the years - especially when we were hit with a substantial bill for IVDD surgery. Always excellent customer service -
Aubrey
Didn't have to choose between mortgage and vet bills
Having spot insurance let me get my sweet kitty the care she needed without missing my mortgage payment. I'm so thankful I have Spot.
Sandy Valente
My dog needed to have his teeth…
My dog needed to have his teeth cleaned. The vet bill was $725, I submitted the claim to Spot and within a week I received a check for $393. I am pleased with the outcome, and will continue to keep Spot for years to come.
D Kozak
excellent reimbursement and quickly done
They are not trying to see what they can do to deny your claim. They give you an honest reimbursement. Very compassionate.
Diane GarciaPitts
Quick response
Quick response. Fast claims process.
Felicia Calloway
Affordable Pet Insurance
Spot Pet Insurance is one of the most affordable pet insurance I have found. The accident and illness option has help me offset a vet bill I had in an emergency situation I had with my dog. However, when it comes to preventative care, the reimbursement options could be better. Customer service is excellent and the help they have given me is priceless. I would have given 5 stars if there were more options for preventative care. All in all, I'm happy with Spot Pet Insurance.
Emily
LIFESAVER INSURANCE
SPOT pet insurance has been a lifesaver. I have a 6 year old Miniature American Shepherd (mini Aussie in layman’s terms) and she means the world to me. I pay for SPOT’s preventative coverage as well as accident/illness coverage. They have always reimbursed me for the available vaccinations/bloodwork/annual visit covered under preventative care. On June 16th, 2025, my dog presented with bloody vomit and diarrhea. I was able to take her to her primary vet immediately, and after examination and bloodwork they suggested the emergency room. My dog was diagnosed with hemorrhagic gastroenteritis (HGE) and needed overnight support. The total of both the primary vet visit and the ER visit was $3800. SPOT reimbursed me 80% as promised within 4 business days of submitting a claim with itemized receipts and a description of what happened. It was an incredibly stressful situation but some of that stress was absolved by knowing SPOT had my back. I would recommend SPOT pet insurance to anyone. Just make sure you read the policy of the plan you choose to know what’s covered. I’d happily pay $65 a month for top coverage for the rest of all of my animals’ lives to have peace of mind in case of an emergency.
Valorie Oleson
Quick response on my claims
Quick response on my claims
Linda Jones
Made a really difficult time easier.
Claim was processed quickly and easily. I simply provided receipts and vet info and the next email I got was that the claim had been processed in addition to a sympathy email on the loss of our dog. Made the book keeping part of a heartbreaking week much easier.
Kendal Croslin
Quick and Easy
It was easy and quick to enter a claim. My pets claim got approved in a few days and the money was deposited quickly after approval.
Siti Shay
The reimbursement process is easy
The reimbursement process is easy, straightforward, and expedient.
John Krawczyk
Good Service
Prompt claims service plus good on line support and claim filing ability.
Scott Nelms
Great Experience, switched 4 more dogs to them
We have spent over $3k, and one time over $6k on vet charges for a single occurrence with no insurance. In the case of the $6k bill, the dog died anyway. So, I decided to buy Pet Insurance and have 5 dogs and went with 3 different companies on purpose. On one claim we submitted, we received nothing despite a $2500 bill. Another time, a smaller bill was classed as preventive care even though I would not have taken to the Vet had they not kept throwing up their food. I was about to drop all pet Insurance, when our Corgi Mix rescue started pooping blood. She was insured with Spot. My wife took her to our Vet, they kept overnight, stopped the bleeding and the bill was $1700+. I went to the Spot website and found it extremely easy to file a claim. They already have most of the Vets addresses and pick it up as you start typing their name. They even will take your banking info to auto deposit your claim payment, which I did. I filed the claim over the weekend, with all of bills and diagnosis from the Vet. I received an email yesterday, 3 business days after I filed the claim, that payment had been made into my account. Today, I checked the account and see that they paid 90% of my bill minus my $500 deductible. Today, I transferred my other 4 dogs to Spot and found the rate much lower than the other companies I was using. Extremely pleased with Spot Pet Insurance. Much easier to have all on same policy with same coverage. I like $500 deductible then Spot pays 90% up to $10k.
Daniel
Very fast service and I'm happy with…
Very fast service and I'm happy with reimbursement
Tina
Spot is so easy to deal with
Spot is so easy to deal with, has the easiest submission forms for claims. They are fast adjudicating claims and have paid out better than any other pet insurance I have been with in the past 20 years. We’ll see if prices go up at renewal, but so far they have really been reasonable. For reference I have a 7 year old small dog, who needs things here and there, but isn’t chronically ill and hasn’t had major things. Praying it stays that way. But where other insurances wanted thousands a year just because of age, Spot gave us a reasonable rate and is super easy to deal with.
Andrea Budkey
Rusty, our diabetic dog "child"!
When our Rusty was diagnosed with diabetes, we were crushed. However, we knew we had SPOT on our side, and now we can afford to give Rusty the care that he deserves. Rusty was a stray, and honestly, I never want to know his story. He is loved and cared for now, and that's all that matters. Enrollment was easy and service has been top notch!!
Cheri
Very timely
Very timely. Very friendly. Very professional.
Renee Savat
This was the first claim that I've…
This was the first claim that I've submitted. I was very satisfied how quickly I received emails and the reimbursement. I wish medical claims were processed as quickly as this.
Kathleen
This pet insurance is amazing
This pet insurance is amazing, great monthly fees, you pick your needs, and customize your plan. When my dog needed surgery, it was no problem, I was reimbursed in 3-5 days. I highly recommend this pet insurance!
wendy cobian
Very responsive with claims and easy to…
Very responsive with claims and easy to understand breakdown of coverage
Lindsay Doran
Spot always comes through
Spot always comes through! Quick response
Лейля Эрдинч
Prompt claim processing with excellent…
Prompt claim processing with excellent customer service.
Syrena Stanford
Best pet insurance yet
Best pet insurance yet. Been helpful with my claims and transparent about cost/services.
Yvette Gonzalez
super easy submitting a claim and…
super easy submitting a claim and response was quick thank you!
Crystal Proctor
Would recommend
It was very easy to submit my claim and my reimbursement was quick as well.
Jonathan Peters
Legit
Fast, efficient, true to their word
steven
Great company that pays what is promised
Great company that pays what is expected. Fast and easy to use.
Karen Edwards
Everything was done in a timely manner
Everything was done in a timely manner, and I was very pleased!
Ignacia Navarrete
Everything is great filed my claim and…
Everything is great filed my claim and was very pleased with the outcome.
Chris W
Been paying for pet insurance for a…
Been paying for pet insurance for a year and finally had to use it. It was reimbursed 80% of a $3400 bill after my deductible. Huge help. Worth it
Deanna Pugh
Spot Pet Insurance is user friendly
Spot pet insurance was easy to sign up for. Customer service is great! Submitting a claim is very user friendly. All in all, truly a great experience. We have a non-profit and help our Heroes to get service dogs and service dog training. We always let the handler know that we use Spot Pet Insurance and how user friendly you all are. Thank you.
Sau Cho
quick claim reimbursement! easy to do it on the app.
quick claim reimbursement! easy to do it on the app.
Raquel Aguayo
The claim process was easy and payment was fast
The claim proc
Lisa S.
Very quick review and reimbursement…
Very quick review and reimbursement process. Very happy first experience.
Leanna Martinez
Fast reimbursement
Submitting a claim is easy and the reimbursement is fast.
Todd Myer
Ease of use!!!!!
Ease of use!!!!!
Latosha Bernard
Completed my claim very quickly.
Completed my claim very quickly.
Susan
Quick response to claim
Quick response to claim. no hassle.
Natalie Livett
User friendly
I love how easy it is to use the app. They communicate effectively and I have had no issues in regards to filing a claim.
Cynthia Cavender
I didn't need SPOT until my dog's leg…
I didn't need SPOT until my dog's leg was injured. And then it was a flurry of visits, X-rays, and medications. SPOT processed my claims and paid quickly. In addition, I received an EOB for each claim explaining how they arrived at the payment.
Nomesscara Nomesscara
Great response!
I have never use my insurance but for the first time I did, and they were very helpful and responded quickly no questions asked, I’m so happy to have this insurance for my Toby baby❤️
Ida Shen
Super simple
Very easy way to submit for reimbursement. We only had a check up and I received the funds within a week!
Kristen Root
The company did exactly what was advertised.
The company did exactly what was advertised! I received 80% back after paying over 8 thousand in vet bills for an emergency surgery. The process was quick and easy, and I received the money within a few days of filing my claim.
Mary E Costilla
My Pups really enjoyed having treats to…
My Pups really enjoyed having treats to distracted them While getting a wellness check up and their shots.The nurse and doctors are really kind and gentle with my 2 Pups. Thank You for the food from the pantry for my Pups.Mary E Costilla and Baby & Scooby
James O'brien
Submitting claims has been very simple…
Submitting claims has been very simple and straightforward and the Spot Pet Insurance has promptly and professionally processed all of my claims to date.
Lisa Calkins
Very pleased!
You responded very quickly and communicated with me through out the process. Then processed my claim very quickly as well.
Steve Martin-Goodman
Spot saves the day!
Great communication with both myself and the vet. Very timely approval and payment. Thank you.
Talya Sasek
Best insurance
Best insurance. Hassle free. Reasonably priced.
Leila
Overall Good Experience
Overall, I think Spot Pet Insurance does a great job of responding to claim submissions and staying true to their word. I (thankfully) haven't had any emergencies with my dog as of yet, but I think their premium amount and deductible are very reasonable for what I'm getting. And I appreciate how communicative and timely the company is with the claims I've submitted for preventative services.
Andrew Longey
Very Easy to navigate when applying for…
Very Easy to navigate when applying for reimbursement. I have not been denied my share of expenses even once. I highly recommend this insurance for your pet.
Diane ONeal
My dachshund needed back surgery
My dachshund needed back surgery. Spot insurance made getting him the surgery he needed worry free. Thank you
The Gold family
Our claim was processed very quickly
Our claim was processed very quickly. We are very satisfied with the service and quick and friendly respondance.
Luis
Very easy claim submission process
Very easy claim submission process. Fast turnabout and reimbursment.
Melissa R
Quick handling of claims!
Quick handling of claims! No complaints!
ZYC
Still trying to decide if this insurance is worth the cost
About 18 months of coverage and I'm still trying to decide if it's a good deal. I pay to cover our two dogs for their routine veterinary health maintenance and for emergency/sickness care, as well as pharmacy. So far, fortunately, all our claims were for routine preventive care. I've found the reimbursement levels to be disappointing, and the claims review process a bit opaque and sometimes not satisfactory. When our 5 year-old dog went in for routine dental exam + extractions under anaesthesia, the claim was rejected on the basis that a vet had previously indicated a finding of gingivitis, which rendered all his dental care "pre-existing condition". Of course we wouldn't have scheduled dental care based on a finding of gingivitis alone, and anyway that sort of cleaning IS part of routine dental care in a normal healthy dog. So I've come to realize they skimp on reimbursement. I haven't discontinued yet because I hope that perhaps the insurance will prove itself when there are real health emergencies that are costly to address. I'm not holding my breath.
Omar Kalala
Great company and customer service…
Great company and customer service staff! Also willing to listen and help as much as they can!
Jim DeLoach
Prescription dosage
Although I appreciate the quick response, I’m not sure all of the benefits are adequately explained. For instance, our dog takes Trifecsus monthly but only one 6 months dosage was covered. What good does that do?
Kris Perkins
Nice and helpful
Nice and helpful
Clarisa Dias
Thank you for your support
Thank you for your support. I appreciate that you returned the money promptly.
Roverbey
Disappointed with the return
After spending $230 on a a yearly exam and vaccines. I would expect to get more than $100 back. This is not the first or the second time this has happened. I very seldom use the insurance and feel you should get more money for keeping your pet healthy.
Kendall Wright
Best fit dog insurance
We have done a ton of research on the best dog insurance for our family. And we kept coming to Spot. So we made the plunge and joined spot pet insurance. And it has been nothing but easy breezy. They are quick, and responsive. And extremely worth it.
tabitha carr-bell
Thank goodness for spot the claim…
Thank goodness for spot the claim process was great and the service was great. My only complaint was I completed to direct deposit and still my reimbursement was mailed. And I’m still waiting
Kate
Great coverage
I had spot for about 2 years before my sweet senior boy just passed, and they covered every claim I submitted. When he passed and I called to cancel, they even told me that they cover end of life care (euthanasia & cremation) which I had no idea about. Truly could not recommend them highly enough.
Angie S
Filing a claim was easy in the app
Filing a claim was easy in the app. Once they also got the past records for my cat, I had the reimbursement in my account within a few days .
Dani R
A BREEZE!
Uploading my receipts to support my claim was super easy! I was able to do everything using the web browser on my iPhone. I appreciated receiving email notifications confirming my claim submissions and that the claims were being processed.
Sue Bordainick
Quick with payment
Quick with payment
Lisa Grier
Reimbursement was very quick
Reimbursement was very quick. Easy to file no problems at all.
Sue Cole
Very easy, very fast, 5 stars
I adopted my senior dog a year ago and got Spot shortly after. (Had been with a different company with my previous dog, and for a few years they were excellent but then the premiums started soaring, so I looked for a different company with this new dog). I am 3000 miles from home on vacation with my terrier and my dog started showing signs of an obstruction so I ended up taking him to the ER two times in two days. He’s ok but the bill was A LOT. Filing the claim took only seconds using my phone camera and a couple days later the bank informed me money had been deposited in my account by Spot. It could not have been easier and I expected to be waiting for weeks for the claim to go through, not days. The best part is feeling comfortable to tell the vet to do whatever needs to be done to keep my dog healthy and safe without having to look at a cost estimate and pick and choose which tests to do based on price— and then worry that the expensive one I skipped was the one you needed. Very happy I switched to Spot.
Alex Kittenplan
Great experience.
Great experience.
Darlene Nunnally
The speed in which my claim was…
The speed in which my claim was completed.
brian oboyle
Pet insurance is a must have
Easy procedures to submit claims and payments are timely
Rochelle T, Happy customer
Spot Pet Insurance is Great! Thanks
Spot is informative and consistent when a claim is filed. The process is easy and follows the policy for the dog. I appreciate being able to understand how you help us. Thanks for being there for us!
CHARLOTTE HARDESTY
Easy to file a claim and quick turn…
Easy to file a claim and quick turn around
customer
Rate hike after claim
Quick payment. Only complaint would be as soon as my claim was paid, my insurance monthly payments went up another $11.00. This is the second time my payment went up after submitting a claim.
Jaime Schultz
Excellent user interface, and processes.
The system to upload documents for tracking my pets' care and expenditures is easy to navigate. The email notification process gave me time to gather the additional documentation needed to complete the claim. Reimbursement for covered costs was a snap. Definitely glad we decided to get SPOT for our Great Danes!
Jessica
Love this pet insurance
Love this pet insurance! Very easy claims process and I received almost a full refund from my dog’s annual appointment with the Preventative Care add on.
Joseph Cacho
The process for claims is quick and…
The process for claims is quick and easy. Reimbursement checks come quickly after the claim has been approved/processed.
Bma
Fast
Fast, efficient service. Friendly staff.
Pradeep Anand Ravindranath
Hassle free processing and…
Hassle free processing and reimbursement!
Ula
Great experience!
Quick, efficient, and easy!
Tamara Short
Great experiences…
I searched for pet insurance as soon as I adopted my puppy. After searching a number of sites and plans I decided Spot looked very promising. Over the past 2 years we have had a fabulous experience with Spot. Filling out claims is simple and easy, payouts are surprisingly quick, and every communication with the company has been extremely easy from the company website. We will continue to keep our dog insured with Spot for years to come.
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