America's FavoritePuppy Insurance Click for Price >Protect your pet and your wallet. Spot Pet Insurance provides plans that include accident & illness, accident only, and preventative care to cover routine checkups. With customizable plans and a multi-pet discount, there’s something to fit every budget.
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Is Spot Pet Insurance legit?
Spot Pet Insurance (spotpet.com) has a 4.5 out of 5 rating on OK.one, based on 201 user reviews collected here. It is listed under Animals & Pets and its reputation is excellent. 88% of reviews are 4 stars or higher and 7% are 1 star; The business has not yet replied to negative reviews. Last updated 2026-08-11.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company, expressing high satisfaction with the services offered. Customers frequently mention that filing claims is simple, intuitive, and straightforward, while financial payments and reimbursements arrive very quickly directly to their bank accounts. People really appreciate the clear status updates, easy website navigation, and stress-free support provided during difficult veterinary situations and emergency surgeries.
Some reviewers were not happy with unexpected claim denials or lower than expected reimbursements for expensive vet bills due to pre-existing conditions. A few consumers also reported delayed processing times, continued billing issues, or difficulties reaching a prompt resolution for their submitted documents.
Auto-generated from all reviews of this business. For reference only.
Having Spot has literally saved my Rotti's life ! He had urinary problem ; took him to our vet and we found out his situation was more serious then we could have ever imagined. He had xrays and tests and turned out he needed the help of a specialist ,he had over 100 bladder stones .We would have sold everything to save him ; his surgery and care was almost $8000 by grace of God we had Spot. We of course paid the bill and his coverage guaranteed 80% of that monies back .I will never go without Spot to cover all my furbabies needs.
Zeny, a healthy Jindo dog, suddenly began suffering from seizures when she turned four, requiring four emergency visits over the course of seven months. These situations were quite distressing, and each visit cost over $800; Spot Pet Insurance covered a portion of the expenses. Most recently, she had to go to the emergency clinic again due to a leg injury; the bill came to $641.73, and I received a check for $440.59 from Spot Insurance. I’m glad I signed up with Spot Insurance; they are highly trustworthy, kind, and responsible.
We adopted 2, 13 week old kittens (bonded brothers) and one was the "runt of the litter". The bigger one fell off a desk backwards onto a glass compote, breaking one vertebrae and cracking another. Fortunately he was able to walk, and didn't lose any functions. He did have to be "crated" for 8 weeks to limit his mobility and heal. They both have had asthma issues, the little guy more so and more often. We are thankful that we have had coverage that actually pays for 80% of the emergency room and Vet bills.
The process of filing a claim for our pup was easy!
The process of filing a claim for our pup was smooth and easy. We found Spot Pet Insurance great to work with, and we received payment within two days by direct deposit.
good customer service, timely refund and always easy to get on the phone. NO AI - always real people and real connection. Affordable rates. Always accepts my claims. Truly cares about my pets.
I am so pleased with Spot insurance sorry to say my little Havapoo has had about 4 serious claims but Spot never questions always sends checks out quickly can’t find a better company have referred several people to try Spot
I don't believe that I got the proper compensation for Connors claim that was submitted for denamarin: a liver medication. It is $146 dollars for a 30 day supply. It is not cheap, especially in this economy.
When I submit a claim, it’s easy to track the entire process from submission, when they receive the claim, and approval. The reimbursement process is so easy with direct deposit too. Thank you SPOT!
Easy payments made outrageous vet bills manageable
I have to admit, I was unsure about getting pet insurance. It seemed unnecessary. But when our beloved bernedoodle died, Spot came though to support the vet bills. Then, when our sheepadoodle had to go to the hospital, Spot paid out the whole annual coverage. Easy. These were tough times in our dog world, but Spot Pet Insurance totally and readily did the right thing. 5 stars, for sure.
So nice to have a good reliable pet insurance service. Website is easy to navigate and from a QA person working in hightech i can say i feel its not buggy. It just works. Payment is fast. No complaints
Thank you!
I've had a wonderful experience with Spot. The app is incredibly easy to use, making it simple to submit claims and view my coverage anytime. The claims process has been straightforward, and I really appreciate how convenient everything is. I highly recommend Spot to anyone looking for reliable pet insurance with a user-friendly experience!
I am so happy I made the decision to get insurance for my boy. I didn’t have pet insurance for my last dog and that was a BIG mistake! SPOT makes the process so easy! I am very pleased with the plan that I chose. Customer service is super helpful but I haven’t needed their help much! The app is very user friendly.
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