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Spot Pet Insurance Reviews 

12,333
•
TrustScore 4.5 out of 5

4.6

Pet Insurance Company
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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

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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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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 5 out of 5 stars

Fast processing

Fast processing. Peace of mind for emergencies.

October 21, 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Thanks for choosing Spot to protect your furry family! ❤️🐾

Rated 5 out of 5 stars

I am glad we have Spot Pet Insurance

I am glad we have Spot Pet Insurance, but am a little disheartened when I send in a vet bill and alot of cost are not covered OR covered at a lower amount.

October 14, 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi there, Thanks for being part of the Spot family! Please reach out to our customer service team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST) for clarification.

Rated 5 out of 5 stars

claim got paid quick

used spot for my dog's ear infection and the claim was paid to my account in about a week

October 14, 2026
Unprompted review
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Tracy, 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

Best pet protection

I’ve had two episodes with my 11 lb dog in the last year. Spot pet insurance has reimbursed me the majority of what I’ve paid both times. I have had this insurance for over 4 years and plan to keep it

October 21, 2026
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Reply from Spot Pet Insurance

Hi Cheryl, thanks for choosing Spot to protect your furry family! ❤️🐾

Rated 5 out of 5 stars

Easy and Fast

Great insurance

October 21, 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Thanks for choosing Spot to protect your furry family! ❤️🐾

Rated 5 out of 5 stars

Spot makes it so easy to submit a claim…

Spot makes it so easy to submit a claim through the app! I'm able to submit claims quickly and get a response after not much waiting

October 14, 2026
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Reply from Spot Pet Insurance

Hi Jennifer, 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

I switched Pet insurance to spot and so…

I switched Pet insurance to spot and so far no complaints. I had to call customer service twice and both times they were very helpful. The online reimbursement process is very simple.

October 14, 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

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

Rated 4 out of 5 stars

They have been easy to work with…

They have been easy to work with regarding the three claims I've submitted. They've been quick at processing and reimbursement me.

October 21, 2026
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Reply from Spot Pet Insurance

Thanks there, happy to have you as part of the Spot Family. 🐾🐾

Rated 5 out of 5 stars

First time we have had to make a claim…

First time we have had to make a claim and it was a seamless process. Filed our details on the app and within ten days our vet expenses were refunded directly into our bank. Highly recommend this company!

October 14, 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

Would definitely recommend to others

Strait forward when signing up. Claims processed in a very timely matter. Would definitely recommend to others.

October 14, 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

Better to have it and not need it as some day you might.

Some years I haven't used this much, but this year it sure came in handy. I made two claims this year and the process was smooth. I uploaded the paperwork (bill and drs SOAP notes), filled out the extra details, and about two weeks later I get the good news of how much Spot is re-imbursing me. I was able to dial in a plan that worked for us. A great percentage after yearly deductible is met. I have already recommended Spot to many other pet owners.

October 21, 2026
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Reply from Spot Pet Insurance

Thank you for your wonderful review, Dylan! We're proud to offer a service that aligns with your expectations. Your support is truly appreciated! ~ The Spot family ❤️🐾

Rated 5 out of 5 stars

Simple & quick

Very easy to use, reviewed claims in a timely manner and reimbursed me quickly.

October 14, 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Thanks for choosing Spot to protect your furry family! ❤️🐾

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