Spot Pet Insurance Reviews 7,113

TrustScore 4.5 out of 5

4.7

Pet Insurance Company


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Rated 5 out of 5 stars

The claim process was easy and quick. After focusing on caring for our cat after his tail surgery, we filed our claim. Received immediate confirmation the claim was being processed and in less than 2 weeks, received the funds deposited directly into our account. Many Thanks.

Rated 5 out of 5 stars

Spot Pet Insurance has been incredible! I love how simple it is to submit claims and even receive direct deposit for reimbursement. The only con I can think of is whish they paid more or offered prescription coverage on maintenance medication. That being said, they have helped cover so many vaccinations and microchip. We had an emergency vet visit and they covered 70% and saved us from taking mounting debt to pay for it. I even received the reimbursement in less than a week.

Rated 5 out of 5 stars

I've had Spot insurance for three years now, and had nothing but great experiences. They cover more than most insurances, have a variety of coverage options, and process claims and refunds very quickly. I recently lost one of my pets, and they took the time to reach out to express their condolences. I have used their vet hotline as well, when I needed advice in a pinch.

Rated 5 out of 5 stars

I did not know what to expect when I signed up for spot health insurance for both of my golden doodles. Thank God I did because one of my goldendoodles is definitely a frequent flyer spot. Insurance has been a lifesaver for me truly, I don’t know what I would’ve done without spot insurance. They are quick responsive. I can’t say enough good things. They should be rated number one for sure. I’ve been with Spot Pet Insurance for probably about four years if not a little more highly recommend.


Company details

  1. Pet Insurance Company
  2. Emergency Veterinarian Service
  3. Insurance Company
  4. Pet-Friendly Accommodation
  5. Veterinarian

About Spot Pet Insurance

Written by the company

America's Favorite Puppy Insurance

Click for Price >

Protect your pet and your wallet. Spot Pet Insurance provides plans that include accident & illness, accident only, and preventative care to cover routine checkups. With customizable plans and a multi-pet discount, there’s something to fit every budget.

Contact info


Rated 1 out of 5 stars

Spot "Family" is heartless and worthless

We recently switched to Spot Pet Insurance from a different insurance logo owned by the same company - Independence Pet Holdings - because Spot offered an affordable monthly premium for our middle-aged beagle. All of Spot's customer service initially seemed warm and inviting. Turns out they are just as heartless as you would expect from any private equity-owned insurance company who is just looking to make money off of careful pet owners. Just like many other pet insurers do, Spot Pet Insurance promptly denied our first claim we submitted as a pre-existing condition, but in this case, we have been paying premiums for years to Hartville, which is literally part of the same company that reports to the same CEO and has the same insurance underwriter - Independence Pet Holdings. So even though this company has been paid by us for years, and even though we have no diagnosis for our dog yet, Spot promptly wrote us off as having a pre-existing condition without further ado. Truly so frustrating when you are just trying to do the right thing and seek insurance for your family member. We are now canceling our policy and going the route of a savings account for pet costs.

Date of experience: 07 January 2025

Rated 5 out of 5 stars
Verified

Best Decision

Purchasing Spot Pet Insurance for my mischievous Labradoodle was the best decision I’ve ever made! Reimbursements are easy to submit and processed quickly!

Date of experience: 07 January 2025

Rated 5 out of 5 stars
Verified

Spot Pet Insurance has been incredible

Spot Pet Insurance has been incredible! I love how simple it is to submit claims and even receive direct deposit for reimbursement. The only con I can think of is whish they paid more or offered prescription coverage on maintenance medication. That being said, they have helped cover so many vaccinations and microchip. We had an emergency vet visit and they covered 70% and saved us from taking mounting debt to pay for it. I even received the reimbursement in less than a week.

Date of experience: 15 January 2025

Rated 5 out of 5 stars
Verified

Easy to use

Easy to use. Staff works fast and efficiently! Made my dogs recent illness easier to manage.

Date of experience: 07 January 2025

Rated 5 out of 5 stars
Verified

Spot

Spot is simply, very easy to use!! Quick processing of claim, quick payment!! Thoroughly happy with them thus far!!!!

Date of experience: 07 January 2025

Rated 5 out of 5 stars
Verified

filing claims is easy on the website

filing claims is easy on the website, and payments are even faster to receive with the direct deposit option. i filed 3 different claims for 2024 and I received my payment within 7 days after I filied them.

Date of experience: 07 January 2025

Rated 5 out of 5 stars
Verified

Spot has been amazing!

Spot has been amazing. So responsive, and fast to complete and pay claims! I have recommended them over and over to family and friends!

Date of experience: 07 January 2025

Rated 5 out of 5 stars
Verified

Claim processing was quick and easy

The claim process was easy and quick. After focusing on caring for our cat after his tail surgery, we filed our claim. Received immediate confirmation the claim was being processed and in less than 2 weeks, received the funds deposited directly into our account. Many Thanks.

Date of experience: 11 January 2025

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