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Honestly DONT DO IT!!!
Honestly, I could be brief and say “Screw Spot” but anybody who loves their pet deserves to know why Spot is a terrible company that does not deserve your money. You and your pet deserve better than their bullsh*t. We obtained pet insurance thinking it was the responsible thing to do. Our cats are our family and we want nothing but the best for them. After one of our kitties sustained an injury (tore her CCL) we were devastated, but we foolishly thought “at least we have pet insurance”. We submitted what should have been a straight forward claim with Spot. We have accident coverage, she had an accident, she should be covered, right? Instead, Spot denied the claim almost immediately, but not before altering the claim we actually filed - from the CCL tear to periodontal disease. We found that Spot had dug through our cat’s veterinary record to find any excuse they could to deny a claim and settled on that small note from several years ago. Never mind that periodontal disease is the #1 most common health condition in cats, never mind that it can be effectively and quickly treated, as it was in our case. Regardless, Spot claimed that this “preexisting condition” was enough basis to deny the claim. Spot, perhaps recognizing the flimsiness of their own excuse, also claimed that ligament deterioration is due to a common ailment in CANINES and that that was enough basis to deny the claim. I had to remind Spot that dogs and cats are two very different species and that we were not seeking coverage for a minor case of gingivitis, just the ADVERTISED COVERAGE for accidents. Spot spent several weeks mulling our appeal only to double down on their unwillingness to fulfill their end of the bargain. We have paid every bill on time, provided every piece of documentation asked for, and even got a letter from our veterinary surgeon, but spot still had their rejection letter ready to go. Spot’s unwillingness to actually cover their clients with valid claims is absurd, frustrating, and criminal. I am now left with a mountain of debt and profound sense of betrayal. Spot doesn’t care about you or your pet. They are predators who prey on one’s love of animals. They have mastered dodging phone calls, ignoring emails, fraudulently altering claims, and skirting contractual obligations. Know what they can’t do? Help you when you need it most. Do not give spot a single cent of your money. You’d be much better off keeping your $20/month in a high yield savings account, or even a coffee jar. To anyone at Spot who may be reading this: you should be ashamed of yourselves. Your greed and brazen lack of empathy have made an enemy for life whose singular goal in life is to steer as many people as possible away from your terrible “company”.
Insurer: Spot
By: Summer Luther
Bait and Switch once you change over.
My monthly premium is going up $70 PER MONTH and nobody has been able to tell me why. They beat my prior insurance company’s cost, only to raise it significantly higher than I had been paying. It sounds like they’re trying to punish members for using the policy. I had two claims on a multi-dog policy and my premium is nearly doubled.
Insurer: MetLife
By: Kristina
Lifetime Coverage-Grateful Lifetime Customer
My cat has had this insurance since we got him as a tiny kitty. We got it on a whim as our vet had a flyer he handed us. It has been the best thing for our family! Our little guy is now an old man with a new diabetes diagnosis. Trupanion has had our backs throughout the testing, medication and diet. They are available through chat even on the weekends and it is the kind of chat that gives you answers and does not continously loop you through a customer service AI bot! (Thank you Taylor!)
Insurer: Trupanion
By: Christina M Fe
I called to cancel my insurance as I…
I called to cancel my insurance as I felt I had a better offer at another insurance. The person I talked to, it felt like she was very irritated I was canceling and talked down to me about my decision. I wasn’t changing because of anything Nationwide did, I only initially chose nationwide because they were part of my employee benefits when I became an employee of my shelter (I had another company before them). But my shelter partnered with a different company that explained everything they offered, including a partner discount, (something nationwide never tried to explain until today, when I cancelled, and I was made to feel dumb for not knowing benefits that were never attempted to explain to me). I also don’t understand why my first cat was never given a “wellness plan” option, but my newest cat was, and his coverage with a wellness plan was cheaper than my other cat’s without wellness. But I was afraid asking that question on the phone with the representative would open up more judgement and condescension, instead of understanding and compassion. I was just ready at this point to get off the phone with this individual.
Insurer: Nationwide
By: Alan Samuelson
Recently was part of corporate layoffs…
Recently was part of corporate layoffs and while I cleared up my healthcare insurance needs, occurred to me I insured Nitten kitty thru my employer, happy I can personally afford to keep him insured in his pampered lifestyle he has grown accustomed to.
Insurer: Nationwide
By: Melissa Gresham
Thank You
Your information Was great, Like a high priced Steak. You kept me Straight Establishing protection For my furry mate. Thank you.
Insurer: Prudent Pet
By: Bill