Spot Pet Insurance Reviews 

12,333
•
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Looking at 2,704 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight how exceptionally simple it is to submit claims through the online dashboard and appreciate the remarkably fast reimbursement payments for veterinary bills. People also note that the support team provides reliable and stress-free assistance when dealing with unexpected emergency procedures and medical costs. Some reviewers were not happy with unexpected claim denials, noting that certain procedures were rejected due to classified pre-existing conditions. A few other people also felt that the waiting times for processing medical documents and receiving final approvals could sometimes be much longer than expected.

What people talk about most

Service

People report positive experiences with service, highlighting fast claim processing and reliable coverage for... See more

Response time

Customers had positive experiences with response time, frequently highlighting that claims are handled in a... See more

Refund

Clients share positive opinions on refund, highlighting a fast and reliable process with direct deposits... See more

Payment

Customers consistently note positive experiences with payment, highlighting fast response times, direct bank... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Spot Pet Insurance delivered excellent results for me and our dog, Comet, when he was severely ill. Their prompt and complete hospital cost reimbursement came through just when I needed it. Thank y... See more

Company replied

Rated 5 out of 5 stars

I got Spot Pet Insurance after our Golden had stomach surgery. Couple months later our Lab needed double knee surgery and our Golden needed stomach surgery again. Spot was wonderful, they covered both... See more

Company replied

Rated 5 out of 5 stars

My 1 yr old pup just suffered hemorrhaging gastritis which required urgent care. Spot was true to their word and covered all eligible expenses. Their dashboard is easy to navigate and file claims. T... See more

Company replied

Rated 5 out of 5 stars

I just adopted a 6 yr old Female French Bulldog, everyone was like vets make a lot off of this breed so was a bit nervous, decided to invest in insurance, took her in for checkup and shots and got cl... See more

Company replied


Company details

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

About Spot Pet Insurance

Written by the company

America's Favorite Puppy Insurance

Click for Price >

Spot Pet Insurance is one of the leading providers of customizable pet health insurance for dogs and cats across the United States and Canada. We're on a mission to help families get their pets the care they need to lead longer, happier lives together.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

12K reviews

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4.6

All reviews

(12,333)

2,618 reviews in the last 12 months

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Rated 5 out of 5 stars

Incredible service for my dog

I got spot after my dog tore us Crucial Ligament. They have been great supporting treatments and rehab, and allowed me to prolong my time with my best friend

17 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Kiel, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 5 out of 5 stars

The claim was processed immediately and…

The claim was processed immediately and updates let us know the progress. We were very pleased that there were no delays or hassles.

15 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Diane, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 5 out of 5 stars

Spot has been a great pet insurance…

Spot has been a great pet insurance company to deal with. I recently had a very sick dog that needed emergency care twice in 2 days. The first claim was approved almost instantly and the second claim was approved a few days later. I’m so glad I chose them for Daisy’s insurance.

12 October 2026
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Reply from Spot Pet Insurance

Hi Larry, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 3 out of 5 stars

For a wellness check and vaccinations I…

For a wellness check and vaccinations I was only reimbursed slightly more than my monthly vpremium.

Filling and claim process easy tho.

24 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Thanks for being part of the Spot family ❤️🐾

Rated 5 out of 5 stars

I just adopted a 6 yr old Female French…

I just adopted a 6 yr old Female French Bulldog, everyone was like vets make a lot off of this breed so was a bit nervous, decided to invest in insurance, took her in for checkup and shots and got clean bill of health, I figured as much as she is such a beautiful dog and looks so good and healthy,
Sent in my claim of vet fees and was reimbursed within just a couple of days

21 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Amy, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 5 out of 5 stars

This was my first claim and I was…

This was my first claim and I was worried, but they covered everything they said they would, so knock on wood I never have to use them again, but I won’t be stressed if I do.
In this day and age, thank you for doing what you said you would. Also, my pup is back to 100%.

22 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Danny, We’re so glad you had a positive experience and your pup is back to 100%. Thanks so much for being part of the Spot family 🐾🐾

Rated 5 out of 5 stars

Very quick response to claim

Very quick response to claim and NO hassles
Great Service Thank you
Frederick M

16 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Thanks for being part of the Spot family ❤️🐾

Rated 5 out of 5 stars

Easy to send claims

Easy to send claims, fast reimbursement

22 September 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Thanks for being part of the Spot family ❤️🐾

Rated 5 out of 5 stars

Fast easy claim process

Fast easy claim process. Quick payment. Great customer experience!

16 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Steven, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 5 out of 5 stars

Great experience

Spot app makes it easy to upload invoices and record veterinary information so that processing out claim is smooth. We have needed to use this coverage twice to cover unplanned procedures for our doodle. We had a positive experience in both cases.

15 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Robin, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 5 out of 5 stars

Great Response from Spot

When our elderly St. Bernard had a very scary medical experience, we used her Spot insurance for the first time. So far, their response has been very quick and they have covered everything. We have dealt with four different pet insurance companies through our lives with many furry friends. Spot has been the easiest of them all to work with.

We strongly recommend Spot Pet Insurance!

22 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi there, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 5 out of 5 stars

Fast claim responses

Fast claim responses. One of the best pet insurances I’ve had.

21 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Thanks for being part of the Spot family ❤️🐾

Rated 5 out of 5 stars

One Satisfied Customer!

I like that each time I submit a claim for my dog expenses, Spot Insurance responds back to me in a timely manner. Also, the refund amount is sent to me as soon as the claim is approved in a one to two day timeframe. I am very happy that I have Spot Insurance and I will recommend them to other pet owners.

21 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi there, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾

Rated 3 out of 5 stars

The app is great as is the option for…

The app is great as is the option for direct deposit. Overall processing is slow. Started a claim with the appropriate emergency vet paperwork on a Tuesday (day after visit). Had to wait at least a week only to be told needed pet’s vet records going back almost 2-years. Thankfully my vet provided to me same day which I provided to SPOT the day I was notified of the request. Then had to wait another week for the claim to finally be approved before the payment was initiated. The whole process took 2.5 weeks, with me providing immediate appropriate documentation, which seems notably longer than it should for a legitimate claim which I know this policy covers.

5 October 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi there, we sincerely apologize, we strive to process all claims as quickly as we can. You can contact us at 1-800-905-1595 or email us at service@customer.spotpet.com for updates or questions.

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