Spot | Pet Insurance Review

EDIT 8/18/23 I received a call from Spot Customer Service yesterday regarding my review here. I didn't think to write down her name, but she was very courteous and seemed genuinely concerned. She apologized for the person who hung up on me on my previous call and said that the problem had been addressed. She explained that the delay in getting Dudley's vet records on the latest claim was in getting them updated from the ones they'd received previously, which sounded reasonable. I am upgrading my rating from 1 to 4 stars. While none of my expenses have been covered as yet, they have replied to my reviews here in a manner that allays at least most, if not all, of my concerns. I will continue using them as my insurer. EDIT 8/8/23 I called Spot after they replied here, suggesting I do so. I reiterated my complaints as described below. On the issue of not paying for his vaccinations, they explained that I hadn't paid for preventative care when I purchased the insurance. Fair enough, I'd forgotten that. On the issue of delaying a decision on my claim for his vaccinations for weeks, claiming they didn't have his records, even though they'd denied two previous claims based on his records, at first he didn't reply. When I repeated the question, HE HUNG UP ON ME! Guess who's going shopping! Original Post, circa Aug 1: I subscribed to Spot for insurance on my 11 yr old dachshund a few months ago. So far I've submitted 3 claims totally over $1300 and not a dime of it has been accepted. I'm beginning to think that any ailment he may have is automatically considered a pre-existing condition. This includes his vaccinations which I thought would be covered under preventative medicine (which is specifically named in the policy and on the selection list when you file a claim) though they denied that too. I'm sure that somewhere in the fine print, probably on page 47, that vaccinations, along with everything else that might actually happen, is excluded. The decision on this payment took weeks because they needed his records which they claimed not to have even though both previous claims were denied as existing conditions months earlier. So how did they know they were pre-existing conditions if they didn't yet have his records? I smell a rat!

Excelent service

Scammmmm fraud

Great customer service. The staff are friendly and very professional.

Excelente Service. Easy to apply and convenient.