Spot Canada | Pet Insurance Review

Story of my Spicy Cat, I have had Spot Pet Insurance for my 4 cats for over 6 months. Recently, my 12 year old male cat had a Urinary Tract Blockage which turned into an emergency and ended us up at the Hospital. It was suggested that he have an operation so that he would not become blocked with stones again. At a cost of over $5,000 you can imagine I was hesitant, but considering this surgery would prevent this happening in the future and prevent a possible premature death sentence by not making it to the hospital in time the next time, I agreed to the surgery. I was hoping this would be covered by Spot pet insurance and so Medvet in Worthington OH helped me get an extension on my Care Credit card so that all the cost would be covered. Sigh of relief. For now, everything was going to be ok and my best friend and companion, Spicy cat was getting the surgery he needed. A couple days after the surgery I filed the claim which was fast and easy. Within around 2 weeks I received nearly $5,000 deposited in my bank account. That was exactly the cost of the entire treatment, minus the deductible and I was reimbursed the rate of 90% . Wow, Spot pet insurance saved my cat's life and saved me from literally going through what little bit of money I have worked so hard to save for the past two years. When I signed up for Spot pet insurance I took all of my cats to their initial appointment to make sure there were no health problems and this is something I could not have planned for. This is the perfect scenario of why all pet caregivers should find a place in their budget for the minimal amount that it cost to cover your animals. It can save your wallet and your heart from breaking later. If you are doing the right thing and using the insurance as a back up and not purchasing it because your trying to "get over" on the company when an animal already has something wrong, then you will be pleased with SPOT pet insurance. The peace of mind is well worth the cost. Spot Pet Insurance is now officially Spice approved. Just look at that smile!-Jen

6/11/21 This rating is currently based on my limited experience with SPOT. I have not yet filed a claim. I am basing this review off off the registration and payment process as well as excellent customer service (which includes real people answering the phones). I am getting ready to go through the claims process and will change this review accordingly if necessary. I pledge to be fair with my expectations and expect that I will be treated fairly according to the terms of the contract (which I read forward and backward before enrolling) but can be very open ended when it comes to diagnosing pets with pre-existing conditions or preventative testing v/s necessary testing as you can see by previous reviews. I truly hope all goes well and I'm able to leave this 5 start rating where it is. I'll update soon.

Please stay away of this insurance if you love your pets and your pocket They will never give you the deductible is very hard to deal with them

I'm not sure jow I am abke to give my rating when I haven't had any progress of help yet with my pet only a questioner. Iam grateful to have come across such a eye opener and have been praying for some sort of help with my pup. I can't afford a vet and she had a massive lump growing.on her side. I don't know what to do she is my everything. I would give my life for hers in a snap of a finger. That's my review,what's yours?

Terrible policy. To much red tape. Healthy Paws much better.