Spot | Pet Insurance Review

The 15 day waiting period isn’t well presented to new clients at all. We recently had to switch insurance because our dog had insurance through a specific vet and had some major issues that led to us finding a mass in her colon. Even though we found the mass well after the 15 day period they claimed that because she was treated for diarrhea within the 15 day period her mass was a preexisting condition. They also claimed her surgery to remove the mass wasn’t even covered under the illness and accident plan. When they complete claims they give very minimal, canned responses as to their reasoning and give no immediate way to dispute claims without calling and getting into things with someone on the phone. We were stuck in a tough position with switching insurance providers. All we were trying to do was save our dog’s life. I’d expect a company to give some bit of compassion in situations like this. At the end of it all we got screwed by the 15 day waiting period. Funny though, they sure as hell took my money on day one! Thanks for wasting my time and money! Edit: Just to note, I was so perturbed by the above I called and cancelled my service. If someone from the Spot team can resolve my issue, I'll be more than happy to remove this review. I'll edit as necessary. Edit 2: Other than a repeat of the above re-explanation of terms and preexisting conditions from spot, no real, meaningful, empathetic responses were ever received from the company as they claimed in their response here. 2 days before Christmas, we had to put our little girl down because we couldn't afford the additional care she required after surgery and other care required for a full recovery after the cancer. Literally can't begin to express the upmost anger and hatred I will forever hold against this company. Glad I was able to add some dollars to your 2024 profit margins at the expense of a member of my family.

This is the easiest way to file claims. The price of the policy is well worth it.

Quick procession. Claim procedure very easy. Good value and great coverage.

I have had Spots pet insurance on all my dogs for several years and up until the last few weeks, I would have given 5 stars without hesitation, until what happened with my last pup. My 15 month old dog was misdiagnosed by several vets with what turned out to be a significant neck injury. At first Spots was amazing and paid for every vet appointment without any problem. Once I figured out that the only thing that helped my dog improve was a combination of pain meds and going to a pet chiropractor for adjustments. Before I started going to the pet chiropractor, I double checked with Spots pet insurance to make sure that they would cover the chiropractor and they said that they do cover it, so I started going to a pet chiropractor to start treatment. My dog improved more every time I took him. The only problem was that this pet chiropractor was over an hour away so I decided to take him to a pet chiropractor closer to my home. The only difference between this pet chiropractor and the other one is that my lastest pet chiropractor is more qualified than the previous one. And all of of a sudden Spots decided that this Pet chiropractor doesn't qualify and refused to pay the bill, even though they paid the other one without a problem. Make that make sense!!! I appealed the claim and they denied it because they said that the pet chiropractor has to either be an actual vet or has to be in a vet office. Last time I checked Pet chiropractors are actual doctors. I'm very disappointed with Spots pet insurance because they were amazing and now they seem to be changing the rules and acting like it was always this way. And now my dog has a preexisting condition so I can't go through another pet insurance because they won't cover it. I guess I just want people to be aware of these things happening so you can maybe think twice before going through this insurance company, although I think they are all pulling this BS so they don't have to pay some claims. Update on this review.. I noticed that all negative reviews will get a comment from Spots saying that they will send this back to customer service to be reviewed or some other kind of wording to give the impression that they will be reconsidering their decision to pay the claim but I feel that this is done just to give the impression that they will be paying a claim. Unfortunately I feel like its all just to make the company appear like they care, when in reality they only care about making money so every legitimate claim they deny puts more money in their own pockets. When I first signed up for Spots insurance 3 years ago, they had a rating of 4.8 but now it's a 4.1 so that shows that customer service doesn't matter to them and that making money is their only priority. And honestly I hope they get sued for all the legitimate claims they have denied. This company has gone down the toilet and hopefully they figure it out before they lose most of their customers, myself included.

Spot is quick on getting claims processed and that is greatly appreciated. Also being patient when trying to get the vet's detailed history for my fur baby.