Spot | Pet Insurance Review

Stay away from this insurance!!!! I have an 8 month old puppy I rescued from a back yard Tied to a trampoline with no water in the Florida Sun. He was emaciated, and crying. I brought him home, fed and bathed him, then signed him up with Spot for pet insurance on October 21. I signed him up for accident/illness coverage, and was told there was a 10 day waiting period for the company's protection against pre-existing conditions. I called my vet and tried to schedule for an appointment, and the earliest one I could get was for November 9th, so I scheduled it, figuring I had the waiting period to get through. Around Halloween, I noticed that he was squinting his right, and that is was a little red, a couple days later, he stated scratching constantly at his right ear. I bought dog wipes, and cleaned out both ears. He was fine for a couple days, before I noticed he was starting with diarrhea. I called the vet's office, and they told me to give him boiled chicken and white rice because he was emaciated. November 9th I took him for his visit. He had an eye infection, an ear infection, and hookworm. They cleaned ans packed his ears, gave him a shot for hookworm, and treated his eye. They also gave him his puppy vaccinations. I was prescribed medication for all three illnesses and we were sent home with a two week follow up scheduled on November 22nd. The next morning, I filed the claim, and gave a brief description of what was going on. The vet bill was $465, $159 of that was for his vaccinations, which I knew was not covered under his plan. The claim took 3 weeks to process, and Spot blamed it on the vet, saying they never sent the info over to them. my vet showed me proof that they sent it over twice. The claim was finally processed, and 3 of the 4 categories listed were under accident/Illness, which left a total of $306 dollars which was not reimbersed. I called Spot to inquire about this, and they told me that the illness started before the waiting period was over. I told them I waited 19 days to take him to the vet. I am not a vet, and I could not diagnose him if there was an illness! That's why i took him to the vet!!!! they told me the illness occurred before the end of the waiting period, therefore, it was not covered because it was considered a pre-existing condition! Really. I paid my premium, went through the waiting period, and my dog got sick before his vet appointment, and it's a pre-existing condition???? They use technicalities to the limit!!! I am not a vet!!! I should have lied in the box where they asked what was going on. They lied, why cant I? Spot feeds you the line that they are all about pet awareness, then they pull this??? THEY ARE LIARS, AND THEY WILL RIP YOU OFF!!!! Do not rescue a dog with this insurance!!!! If you do, lie about everything, or you won't be covered!!!! I am cancelling this policy and going with a different pet insurance. I know his second claim for his follow up, which is still in processing after a week, will be denied. Do your homework before buying pet insurance!!! My health plan doesn't pull this crap when I file a claim!!! Ive gone to my local news station, and they are doing an investigation on Spot, and their reimbursement policies! Stay tuned... Update: they are very so sorry for my bad experience, and that is never easy to reject a claim. I should call the customer service number, and they will explain why my claim was denied. DON’T GET THIS INSURANCE!!!! I called the customer, and they explained their decision, and I repeat what I said before. THEY ARE LIARS AND THEY WILL RIP YOU OFF!!! Do not expected to be reimbursed for your claim! They will give you every excuse as for why they denied your claim!!! Nothing has Changed!!! I am going to go with Pumpkin Pet insurance. They really care about both you and your pet! They promote pet wellness. Spot will just take your money, lie to you, and screw you!!! My local Fox Television station had been contacted, and they will be doing an investigation followed by a news story about Spot and other companies lack of transparency! Stay tuned. This is not over!

I cant get a hold of a person to even help me login. horrible. embrace would pick up. -.-

Just signed up for this pet insurance because it was listed on-line as a top-rated insurance company. Hopefully it will be a good decision. Price per month was good and the coverage was better than my previous pet insurance which covered less and cost more (Nationwide).

Claims process is very easy.

Spot Pet Ins is very slow to pay claims, even when the claim is using the Preventative policy. Communication with them is frustrating. I'm going to be canceling my policy and going to a different company. It's been almost 2 months since my last claim on Preventative, and still they say they require more information- my pup had been on their policy since she was 12 weeks old, they already have every medical piece of info, but still are taking time to pay reimbursement. Listen to the reviews I should have. Go elsewhere .