Spot | Pet Insurance Review

After signing up for Spot I received a phone call from Dan making sure I understood the policy we chose. He was fantastic and answered all questions. This was a conversation not a scripted survey and he understood our pet insurance needs. I am new to Spot and feel better about choosing this company as part of our pet care team.

Spot was highly recommended to me by several acquaintances. As a result, I signed up online on Dec 25th for Spot for our 10 mos. old cavachon who is still at the trainer's facility and will be delivered to us Jan 2. I received a call from Spot a few days later (on Dec 29th) ostensively inquiring about whether we knew how the insurance worked and how to file claims and if we had any questions. In the course of the conversation, I mentioned that our dog would be delivered on Jan 2nd by the trainer. The representative harped on the point that the dog was not yet in our full possession and insisted we were not covered since the dog was not yet in our possession. I explained that the dog is fully owned and paid for by us and I tried to explain this to her, but it made no difference. She insisted that we had to reset the starting date to Jan 2nd and extend out the waiting period. The dog is healthy and again recently vet checked and offered to provide her a copy of the vet report. I told her all this, but it made no difference. This seemed like a deceptive practice to me as it was not disclosed on the Spot website and the representative from Spot was insistent and not willing to escalate the matter to a higher level. This made me think that Spot might handle claims if I had any in a similar and deceptive matter to avoid payment. Had this issue on physical possession of the dog been clearly disclosed on the Spot website, I would have made the initial starting date later. As a result, I canceled our insurance with Spot and went with another provider. The cancellation was within the 30 day period and therefore I received a full refund.

Well I’m new here to spot insurance so this review is still pending on whether I get reimbursed for my Hansel’s wellness checkup or not! I am still currently waiting for that money to be direct deposited! Other then the waiting so long I have no issues it seems great for me it’s just about how fast they return my money!!if my money is not returned soon this amount of money I pay for insurance don’t seem worth it to have to wait because I am still paying out of pocket for the whole bill!!!!

Spot made it easy for me to find insurance for my newly adopted dog. I am looking forward to a long, wonderful relationship with the Spot family!

My dog hurt his leg pretty bad and was limping. Spot Insurance did not cover the cost and denied my claim. When I signed up for this insurance it stated these types of accidents would be covered. Extremely disappointed.