I recently got pet insurance for my cats and just today took them to the vet. First off, the app or on a computer won’t even let me submit a claim. I get as far as the “pet owner declaration and notice” and check the box but it still won’t let me submit. I’ve tried for about 45 minutes and sometimes it lets me hit submit but then just spins and spins. I have no choice but to save my claim and try again. I’ve even tried starting another claim. I have 2 cats that I need to submit a claim for and it’s not working for either. I’m paying over $50/ month and can’t even submit a claim. I’ll try again later and hopefully can update my review regarding this but it’s ridiculous. If this can’t be figured out I’ll be forced to cancel and find another pet insurance company who hopefully has better technology for this sort of thing. Should have read the reviews before getting insurance.

Spot Pet Insurance has helped my family through the great difficulty of losing a young pet. Our beloved kitten, Hamilton, was diagnosed at 6 months old with a rare autoimmune disorder. Spot helped to cover the expensive costs of diagnosis, medications, and off and on hospitalization and vet visits over the next two months. We lost our sweet boy at 8 months old, a nightmare no pet parent should ever have to face. Spot was compassionate and gracious through the whole process. The app made it easy to submit claims, and Spot helped alleviate the financial burden so that we could focus on giving our best to Hamilton. After his passing, Spot reached out to us to offer their condolences. It has been so greatly appreciated during this horrible time. With that said, I highly recommend Spot Pet Insurance. They care about animals and their guardians. I have recommended them to many of my friends and fellow pet parents, and will continue to do so.

The app is super convenient and user friendly, they make submitting claims easy as well as checking claim status, coverage, and deductible progress. I’ve had spot insurance for my first dog since we adopted her almost 3 years ago. I have had zero issues with the insurance nor the app. We tried a different company for my second dog and they just did not compare in price and the claim submission process was so difficult. Spot will reach out for medical records for you but the other company made us do all of that for them which can be difficult and somewhat annoying. We switched to spot for our second dog right after attempting to submit our first claim since it was such a hassle. Not to mention spot has a multi-pet discount and the other company did not.

We have been with Spot pet insurance now for 3 years. Over the past year I have had to resubmit, call customer support, and email medical records as well as claims appeals multiple times with poor results or no resolution at all. Multiple claims were improperly denied based on false categorization as pre existing conditions. The customer support call center is poorly supported and my appeals emails are now "not being received despite confirming the email address with the claims representation e letter by letter. We are spending hundreds of dollars per month on medication for our old dog to minimize her pain with no reimbursement for the past year. Bottom line: DO NOT use Spot. Do yourself a favor and seek pet insurance from someone who doesn't commit insurance fraud by denying your claims and appeals.