Spot Pet Insurance Reviews 

12,240
•
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 2,678 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the simple and straightforward process for submitting medical claims, noting that reimbursements safely arrive directly into bank accounts within just a few days. People deeply appreciate the reliable financial support during stressful pet emergencies, making it significantly easier to manage unexpected veterinary costs and move forward with necessary care. However, some people mentioned issues with longer claim processing delays and denials regarding extensive historical medical records. Consumers also noted occasional frustrations when certain veterinary bills were only partially covered or specific deductions were not applied correctly to accounts.

What people talk about most

Claim

Reviewers mention positive feedback about claim experiences, noting that submitting documents is simple and... See more

Service

People report positive experiences with service, noting that filing claims is seamless and payments are... See more

Refund

Consumers find refund to be a positive experience, highlighting fast payouts that arrive within days directly... See more

Payment

Reviewers highlight positive aspects of payment, noting that claims are processed quickly and direct deposits... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Spot pet insurance is a compassionate company. When my puppy was killed in June getting loose from me and running to a pickup truck driving down the street, they paid for at least half of her expenses... 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

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

Rated 5 out of 5 stars

I’m really so thankful I picked this up last fall when I did. My cat has always been pretty healthy, and I had previously dropped pet insurance because it felt like I was paying a lot for something I... 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

(12,240)

2,697 reviews in the last 12 months

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Rated 5 out of 5 stars

Spot company processed my claim fast…

Spot company processed my claim fast and efficient. They returned the maximum to me. And I am very happy with the process. Yes, I do Recommend a spot insurance for your significance. Little ones.

October 17, 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Zoé, 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

Greatly appreciate that Spot reached…

Greatly appreciate that Spot reached out directly to vet instead of having to make multiple phone call to office and upload several documents.
Quick reinbursement

October 17, 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

First claim for well visit was super…

First claim for well visit was super simple and direct deposit arrived within 72 hours of initiating the claim.

October 24, 2026
Spot Pet Insurance logo

Reply from Spot Pet Insurance

Hi Amber, 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

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

October 17, 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.

October 15, 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.

October 12, 2026
Spot Pet Insurance logo

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.

October 24, 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

October 21, 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%.

October 22, 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

October 16, 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

September 22, 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!

October 16, 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.

October 15, 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!

October 22, 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 🐾🐾

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