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If you are considering Spot Pet…
If you are considering Spot Pet Insurance, save yourself the money and the stress and look elsewhere. They have repeatedly refused to reimburse anything related to my dog’s skin infection, despite the veterinarian clearly documenting that the infection had nothing to do with allergies. It does not matter what the medical notes say. Spot defaults to the same lazy conclusion every single time. If it involves skin or if my dog is sick, they label it allergy related and deny the claim. What makes this worse is the process. Every interaction turns into an appeal. I submit full records up front. Detailed vet notes. Diagnoses. Treatment plans. Everything they could possibly need. They still deny it. Then I have to call. Then I have to email. Then I have to resend the same documents again. Then I wait 30 to 60 days for a response, only to be told some variation of the same thing. Phone support is frustrating and circular. You explain the situation clearly. They acknowledge it. Nothing changes. The burden is always pushed back onto you, even when their own criteria have already been met. It feels like the system is designed to wear you down until you stop trying. If your pet ever has a skin issue, an infection, or anything remotely adjacent to allergies, do not expect coverage. Even when a licensed veterinarian explicitly states it is not allergy related, Spot will still twist it into one. I regret choosing this company. I regret the time I have wasted fighting for reimbursements that should have been straightforward. This has been one of the most exhausting and one sided customer experiences I have dealt with, period. AVOID THEM
Insurer: Spot
By: MATTHEW
My cat name Berry,Dog name is Harry.
My cat name Berry,Dog name is Harry. Whenever they feel sick,I can only remind Pumpkin pet care
Insurer: Pumpkin
By: MD Rakibul Hasan
I am trying your pet insurance to see…
I am trying your pet insurance to see how good it is.
Insurer: MetLife
By: Stanley Lisowski
Had two dogs on the wellness plan
Had two dogs on the wellness plan, was told I would get 150$ annually toward dental cleaning for each dog and 100$ annually for routine blood work for each dog. I did get both dogs teeth cleaned and because they are senior dogs, routine blood work is done prior to the dental cleaning. I submitted the claims for dental cleaning and blood work for both dogs and it was all denied. They stated that gingivitis and tartar build up is a pre existing condition and the blood work was not covered because it was related to the dental cleaning. Please people beware. I cancelled the policies and had to pay them a lot to cancel.
Insurer: Pumpkin
By: April Connelly
It’s not really worth it.
It’s not really worth it.
Insurer: Trupanion
By: MaryAnn
Great prices for the coverage.
I have hard so many great things about Metlife. There ratings are great.
Insurer: MetLife
By: Jesus Trevino
They'll find a way to not pay
They'll use any excuse to not cover anything they say they will, thieves
Insurer: Nationwide
By: John Heim
I got it right away
Fasthavnt used it yet plan on it
Insurer: MetLife
By: Jacqueline Reynolds