Spot | Pet Insurance Review

It is so hard to look for pet insurance. It can be very confusing what is covered and not covered.

I got a welcome call from Spot pet insurance and it took me by surprise because the previous insurer I had for my pet, I only communicated through email. So, this call made this insurer stand out and more personal! I appreciated that!

This company is a scam who takes your money and then we need them to cover something big, then they cry it’s a preexisting condition. My cat puked in January, and in the obstruction X-ray the vet noticed what could have been small kidneys, which could signify future chronic kidney disease. We just had his blood drawn 10/31, he has to be put under, to double check if this is an issue, it isn’t, and Spot denied the claim. Stating clause 51, which I assume is preexisting condition. They’re employee who I spoke to in February told me that Spot would cover this test, but now $400 later, they won’t. I immediately changed to Lemonade insurance and am canceling Spot tomorrow. They also posted the same reply on this as they do everyone. I don’t need an explanation of what your 21 year old employee decided based on how it will benefit Spot. I need Spot to realize that a possible obstruction (which there wasn’t anything, suggesting my cat simply ate something that affected him adversely) resulting in an X-ray with a possible smaller kidney (turns out his kidneys are fine, based on the test your employee told me would be paid), is not the same thing. Cat eats something and pukes on one occasion ever in his life is not the same thing as cat could have chronic kidney disease, based on an incidental X-ray to see if cat has a ball of yarn in his stomach. Obviously whomever does the claims has no clue about the anatomy of animals. This is Spot taking care of Spot and not taking care of the customer or their beloved pet. I’ve now spent $1600 out of pocket this year and my cat is in perfect health, no thanks to Spot. I will never trust a Forbes suggestion ever again.

I recently signed up for insurance for my emotional support dog that was in a hit and run car accident. The ad I saw for spot pet insurance said that the insurance was same day insurance, but when I finished signing up I read that I was going to have to wait 2 weeks to put in my first claim. I am not satisfied at all, I'm incredibly disappointed. This is not what was advertised when I was signing up. I am no longer interested in using this insurance company for my support dog.

Easy to choose coverage options. Great to have a wellness plan available to enroll in as well!