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Claims denied over and over

It shows SPOT as #1 that is scary!!! Pet insurance - My experience with SPOT has been more effort than value! I'm hoping for better in the future or maybe a different company is better. You be the judge and what do you want to spend your time doing? tracking down appeals? They were so nice on the signup call and I elected for the premium "highest" plan and autopay monthly premiums. I understood things wouldn't be covered at 100%. I had no idea the leg work or if you get one visit a year and if an emergency comes up - every vet visit is denied. I pay the vet and send the vet bill in to create a claim. Claim gets denied. Rince and repeat. Never once has it been it easy. I don't spend this much time on my own medical insurance. I'll pay the stupid tax I've signed up for but not a fan. We have seen the vet only 4 times since I've started coverage, and my dog is 5 years old, thankful he's pretty healthy and I have gotten denial after denial. Told I'd have to appeal to have a claim reopened. Last claim was in December 2024 received email stating closed - denied - even though it was an emergency visit and all new things - not anything preexisting etc... $0 covered so its really hard to justify paying the monthly premium on top of the vet bill with $0% covered. Makes no sense. I've sent all records over 4 times; Vet sent all records over 3 times exactly as SPOT requested for them to be sent. Tried to call in a few times to customer service to figure out if I was doing something wrong - or needed to submit something different??? OR what hoops I'd need to jump through..... On hold on the phone with customer service for over 20 minutes and then they disconnected. What is your time worth?

Pets best look somewhere else

Claims easy to file but payment back is like 20% will be looking at different insurance

Pet Insurance Is a Must Have

Our dog will eat ANYTHING!

"Our 2 1/2 year old Pit Mix is a wonderful dog and a blessing in our lives. However, she is always looking for something to eat....ANYTHING. She swallowed a tennis ball and required stomach surgery. There weeks after the incident, I had received my check for the insurance amount due to the penny. No hassles or stalls, just the check. Purchasing Pet's Best is the smartest decision I have ever make. Mike"

Nothing is ever eligible - total waste of money

It doesn't seem to matter how long I've had my policy, all of my claims are always denied for some reason or another. Seems like EVERYTHING is a preexisting condition or not within the timeframe of the policy.... For me it's been a total waste of money. I could have paid for almost everything with the money I've spent in monthly insurance payments.

Metlife seemed promising at first

Metlife seemed promising at first, but our girl had an ER trip in December. Once a claim is submitted, Metlife estimates up to 5-10 days to process. When more than 10 days had passed, I called to check in on the status. I was then told processing times were running more like 15-20 days. When I mentioned that they estimate 5-10 days, customer service said that this had been brought to her attention, but the wait would still be more like 15-20. I asked if this lengthy processing time is what should be expected moving forward, but the woman seemed a little annoyed by my inquiry~ really though, I DO want to know because if this is what it's going to look like moving forward, then I want to switch companies!!!

They left me know every detail as they…

They left me know every detail as they were processing the bills. I expected everything to take a long time. Everything was finished in less than two weeks. Everything was done with kindness.

Horrible service

Horrible service, would not recommend. They are in it for the money and nog for your pets wellbeing or the customer. I have been a member since 2016 and had revised online because they kept raising their prices. I tried to revise it a month and realized it needed to be done over the phone. The customer sales rep was useless and had no knowledge of anything and put me on hold for 20 minutes to only come back and say they could not change my coverage and increase coverage back to what Ive had it at for 8 years. Crazy business they run, when asking why they said my dog is old and she probably has some issues. Which this is not the case. Needless to say I will be shopping around for a new pet insurance provider. This company is Garbage!

Trupanion makes it easy to have…

Trupanion makes it easy to have beneficial medical insurance for your pet and cover the majority of the costs for emergency treatment and veterinary medical treatment for chronic conditions. Trupanion is helpful and easy-to-use.

Very easy to get around the website

Very easy to get around the website A application process was pretty easy very satisfied so far would do it again and refer them to other people who are needing insurance for their pets