# Spot Pet Insurance — Submit claims & get paid!

> Mobile app for managing pet insurance policies, submitting claims, and tracking coverage. (iPhone/iPad app by Crum & Forster Pet Insurance Group.)

- Source: https://appshunter.io/ios/app/spot-pet-insurance/id1480854676 (this page in markdown: same URL + `.md`)
- Developer: [Crum & Forster Pet Insurance Group](https://appshunter.io/developer/1264707507)
- Category: Finance
- Price: Free
- Rating: 2.30/5 from 17 App Store ratings · 178 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 68 MB
- Languages: American English
- Released: 2019-10-03
- Data updated: 2026-08-22
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/spot-pet-insurance/id1480854676/reviews.md

## What is Spot Pet Insurance?

Manage your Spot Pet Insurance policy from your phone or tablet. The Spot app gives you access to your full Member Center, anytime.

Submit and track claims:
Snap a photo of your invoice and submit a claim in minutes. Upload from saved documents or your camera roll. Track each claim's status as our team processes it.

View your policy:
Check your coverage details, deductible progress, and reimbursement limits without logging into a browser.

Update your contact and payment info:
Changed your address or payment method? Update your account details directly in the app.

Push notifications:
Get real-time alerts on claim updates, policy reminders, and account activity. Choose what you receive in your notification preferences.

Find or add a vet clinic:
Search for nearby vet clinics or add your own. Keep your preferred providers saved for faster claim submissions.

Multi-pet management:
Have more than one pet on your policy? View and manage coverage for each pet from a single account.

Get help when you need it:
Reach our support team by phone or email directly from the app.

Not a policyholder yet? Get a quote at quote.spotpet.com

## Key features

- Submit and track insurance claims
- View policy coverage details
- Update contact and payment information
- Receive push notifications for updates
- Find and add vet clinics
- Manage multiple pet policies

## What do users think of Spot Pet Insurance?

Overall sentiment: negative

**Pros**

- 🚀 Easy to use app
- 🚀 Simple claims process
- 👍 Great customer service
- 👍 Reliable insurance coverage
- 💡 Convenient tele-health service

**Cons**

- 🐛 App frequently glitches or freezes
- 🐛 Inability to login or submit claims
- 🐛 Vet search feature not working
- 🐛 Delayed claim processing and reimbursement
- 💸 Expensive premiums with limited coverage

**Commonly reported bugs**

- Login screen not functioning
- Claim submission process not working
- Vet information cannot be added

**Most requested features**

- Add ability to update pet profile photos
- Improve app stability and user experience
- Provide better transparency on coverage details

## Recent user reviews (10 of 178)

All indexed reviews: https://appshunter.io/ios/app/spot-pet-insurance/id1480854676/reviews.md

### 1/5 — App is horrible

*2026-08-13*

The app is verbal to use if you wish to file a claim! Half the time it doesn’t work the other half of the time it’s so frustrating to use because you’ll submit the claim and it’ll come back and tell you that it didn’t submit and here you’ll find that it did submit it 10 times in a row. Right now, I am trying to submit a claim every time it tells me to Select the Vet clinic I used I Select the vet clinic only to hit next and it keeps telling me to re-submit the Vet clinic🤬

### 2/5 — WhiskerDoc feature

*2026-07-29*

Tried accessing the emergency whisker doc feature but repeatedly couldn’t access the text option and the “20 minute” return call from the call feature was not an accurate wait time . I’ve had Spot for years now and was feeling pretty upset by the changes in 24/7 emergency line providers.

Did finally hear back after an hour of waiting an received wonderful support but it has been a stressful wait.

### 1/5 — Terrible

*2026-07-28*

If i could write a million of these i would i never leave a bad review for anything but spot is terrible.

### 2/5 — Poor app

*2026-07-27*

This app isn’t very good. I constantly have to call customer service and they try, but the app never works. I try a PC laptop and even their site doesn’t recognize my email. Funny how they can take my money, but they are non existent when I try and login and make a claim.

### 1/5 — Unable to sign into account

*2026-07-10*

The spot insurance login info is correct but I am signing in from a different location from when I created the account and it won’t let me sign in to cancel the subscription. They intentionally make it a difficult process to cancel their service. They also raised the price twice in the two and a half years that I’ve had it. I have to call customer support to cancel

### 1/5 — Do not get spot insurance

*2026-06-30*

When I had spot, I had to get them every single vet file before they would even look at my dogs claim. I then had to go back to the vet and ask them to rewrite notes so it matched a format that spot would approve (which is CRAZY). I then waited for many weeks with no progress on my claim and had multiple calls with them that left me frustrated. I eventually after a long time got my claim covered but I got rid of them after that…. I found lemonade insurance for way more coverage and a lower monthly. Because it was cheaper, I was scared the claims process would be terrible once I had to use it… I was so wrong. Filing a claim took like 10 minutes and I had an email the next morning stating it was approved with no issue! Long story short, DO NOT waste your time and money like I did! Go get lemonade (or another) insurance. I have NO IDEA how spot is still rated highly on pet insurance because all I had was bad experience for less and more expensive coverage

### 3/5 — Needs fixing

*2026-06-26*

Every time I try to upload documents I get some kind of error and end up having to email them. Super inconvenient

### 2/5 — can’t upload additional documents

*2026-05-30*

my claim was under review and it said i need to add additional documents, and then when i try to upload them it never uploads

**Developer response:** We understand your frustration and apologize for any disappointment with your recent claims experience. Please reach out to us at 1-800-905-1595 or email service@customer.spotpet.com so we can look into this.

### 1/5 — Really bad app update

*2026-05-25*

Pets take forever to load or don’t load at all. Pet history not loading so there’s no option to choose an existing illness or accident, meaning I can’t file a claim from the app at all. Just a horrible app now, really surprised

**Developer response:** We remain committed to transparency and want help address anything you may be frustrated about. Please reach out to our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)

### 1/5 — Absolutely do not recommend spot pet insurance

*2026-05-16*

My policy did cover dental procedures and when it came time to file a estimate claim for my pups dental extraction they would ask for non existent records that even my vet called telling me they had no clue what else to send since they had already sent all of the medical records, they rejected the claim and then had me re open it again and then again asked for non existent records and rejected it again, I absolutely regret paying for this insurance and will not be recommending it to anyone

## Frequently asked questions about Spot Pet Insurance

### What can I do with the Spot Pet Insurance app?

The app allows you to manage your Spot Pet Insurance policy from your phone or tablet. You can submit and track claims by snapping photos of invoices, view your coverage details and deductible progress, update your contact and payment information, and manage policies for multiple pets.

### How do I submit a claim through the app?

Submitting a claim is simple. You can snap a photo of your invoice directly within the app or upload an image from your saved documents or camera roll. The app guides you through the process, allowing you to submit a claim in minutes.

### Is the Spot Pet Insurance app free to use?

Yes, the app is free to download and use for existing Spot Pet Insurance policyholders. There are no additional costs associated with managing your policy or submitting claims through the application.

### What devices are compatible with the Spot Pet Insurance app?

The app is designed to be used on both phones and tablets, providing a convenient way to access your Member Center anytime. Specific operating system requirements for iOS and Android are typically found in the app store listing.

### Can I manage multiple pets on one account?

Yes, the app features multi-pet management. If you have more than one pet covered under your Spot Pet Insurance policy, you can view and manage the coverage for each individual pet from a single account within the app.

## Version history (last 5 releases)

### 3.0.6 — 2026-08-12

• Improved vet selection when filing a claim — your recent clinic is
  pre-selected, and a new search makes adding a clinic easier.
• Direct deposit and preferred-vet reminders now appear on Billing,
  Start a Claim, and Profile.

### 3.0.5 — 2026-07-10

Improvements to deep link and push notification handling

### 3.0.4 — 2026-06-09

Improved experience for adding additional pet policies to your account

### 3.0.3 — 2026-05-01

Various updates and fixes

### 3.0.2 — 2026-04-28

- Refreshed Spot Perks page
- Accessibility improvements: better contrast and screen reader support
- Smarter vet search: resume your claim at the right step after searching for a vet
- Polish, performance, and bug fixes throughout

## Apps similar to Spot Pet Insurance

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [MetLife Pet](https://appshunter.io/ios/app/metlife-pet/id1534969901) | 4.6 (25,849) | Free | Finance |
| [Pets Best Pet Health Insurance](https://appshunter.io/ios/app/pets-best-pet-health-insurance/id1177692522) | 4.6 (8,988) | Free | Finance |
| [Lemonade Insurance](https://appshunter.io/ios/app/lemonade-insurance/id1055653645) | 4.8 (85,967) | Free | Finance |
| [Healthy Paws App](https://appshunter.io/ios/app/healthy-paws-app/id849105071) | 4.5 (424) | Free | Finance |
| [CareCredit Mobile](https://appshunter.io/ios/app/carecredit-mobile/id1031312446) | 4.8 (62,293) | Free | Finance |
| [Fetch Pet Insurance](https://appshunter.io/ios/app/fetch-pet-insurance/id925165009) | 4.8 (27,480) | Free | Finance |

## More apps by Crum & Forster Pet Insurance Group

- [ASPCA Pet Health Insurance](https://appshunter.io/ios/app/aspca-pet-health-insurance/id1264707508)
- [Hartville Pet Insurance](https://appshunter.io/ios/app/hartville-pet-insurance/id1466077131)

All apps by Crum & Forster Pet Insurance Group: https://appshunter.io/developer/1264707507

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*