If there were an option for 0 stars, I would choose it.
I’m extremely disappointed with Spot Pet Insurance. My claim for my dog Alex was denied twice even after submitting all requested medical records. Spot never contacted my veterinarian for verification, and the claim process was slow and unnecessarily complicated. Missing even one item means an automatic denial.
I switched from Healthy Paws because Spot advertised reimbursements for vet fees. In reality, Healthy Paws is far superior — straightforward, fast, and proactive in contacting the vet.
I’m returning to Healthy Paws and regret switching to Spot.