Spot | Pet Insurance Review

Good Prices and easy sign up It was easy to sign up and to research what is covered. Haven't used it yet because I'm still on the 15 day waiting period.

The options for pet coverage that Spot offered.

Good Service

Downgrade from bivvy and I’m upset about this I’m paying more for less someone please point me to better options HELP

UPDATE: After leaving this review I received a call telling me how to appeal a claim which I will be doing. On another note my cat recently got Urinary crystals and had to goto a few emergency vet visits. He had this problem a few years ago and was cured of it and in remission for over a year now. I’m so relieved and grateful that spot stayed true to their policy and did not consider this a pre-existing condition. At this moment I feel the pros outweigh the cons and say I think they are worth giving a chance. ————————————————— I think this insurance is useless if you have an older pet. They should be more clear and upfront about that before people spend the money they need to pay their vet bills on this insurance. I got my cats dental cleaning done. I called Spot before time and asked if they covered this if my cat has dental disease. I was told yes - if the cleaning is for dental disease they will. I get the cleaning done and I wait a really long time to get my claim done. They reimburse me nothing. I call and ask why and I’m told that it’s a Pre-existing condition. I’m very confused now because this is the first time I’ve ever been told to clean my cats teeth. The lady on the phone sounds slightly judgmental and tells me stage 3 dental disease is incurable so it’s not covered. I called two more times. The last person I talked to was nicer, I asked if she can look through my cats medical records and tell me why it’s a pre-existing condition. It took her a really long time to look that she almost had to contact the claims adjusters. Finally she says in 2018 there is a note that says he has a little bit of tartar on his teeth. Literally all cats over the age of 1 years old have tartar. I wrote a strongly worded email to my vet asking why no one told me to get my cats teeth cleaned before. A few days ago my cat started having a medical emergency. I saw my vet and we talked about it and he tells me that stage 3 dental disease is curable and the cleaning is what cures it. He also thinks the insurance just is doing anything it can to not pay me. I’ve been out of work for 3 months and still paying for this insurance to make sure I can take care of my fur babies but I honestly think it’s hurting me more. I was so overwhelmed at the vet I started crying and my vet even covered a bit of my bill for me - more this insurance has done. I really wish I saved the money I used on this insurance because my cat is not doing well and the vet bills are pilling up. I’m worried they will not help me with any of these bills and by the time I find out I’ll have already wasted more money on them..