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Pet parents across the U.S. and Canada have left over 222,947 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Claim approved, payment never came
I've made about 6 calls, 4 in one day. They covered my claim and then said it was processed on their end on 3/10, it's 3/18 and the payment is nowhere to be found. At first they said call if it's not there in 3 days, now all the sudden it's 7-10 days. They just keep telling me that it's "approved and paid out" on their end, but they can't even tell me the full account number they sent it to. I've been back and forth with them and the bank for DAYS, the bank has ZERO record and it was never direct deposited. I had to escalate it to a manager on the 6th call because they just kept saying it looked like it was paid in their system and wouldn't give me any answers besides "call your bank". Finally they agreed to put a trace on the payment and said it would likely take a full day to go through and they'd call me with the info. 2 days later, no phone call and no info. Cancelling as soon as they pay me. Update: it's March 24, Spot responded to this review saying they'd "look into it" 3 days ago and I haven't heard anything from them and I'm still missing my almost $700 they owe me. Update: 4/1/2025, no reimbursement
Insurer: Spot
By: LES
BEST PET INSURANCE
Honestly, the best thing we ever did was buy pet insurance for our 2 dogs. Our 6 year old dog was running across the yard, tore his ACL. SPOT reimbursed us within a month! All we had to do was contact the vet, have all records plus an itemized bill faxed or emailed to the Claims Dept. very easy to work with. We highly recommend this insurance.
Insurer: Spot
By: Tim Schweers
Good so far
Good so far. Just signed up for coverage
Insurer: Nationwide
By: customer
Both representatives I spoke to today…
Both representatives I spoke to today were polite and knowledgeable. Daniel was particularly helpful and took a lot of time to answer my questions and explain the options to me. Thank you for continuing to be a great company. I’ve truly only had good experiences with Nationwide Pet Insurance.
Insurer: Nationwide
By: customer
I use to have this pet insurance before…
I use to have this pet insurance before they are great!!!!
Insurer: Nationwide
By: Maria
Josh was very helpful getting both of…
Josh was very helpful getting both of my dogs the coverage I wanted for them. I have had Fetch insurance for a pet before. Fetch is very easy to file claims and very prompt to review the claim. I knew I wanted to have my pups covered by Fetch
Insurer: Fetch
By: Susan
I am shocked at one of your…
I am shocked at one of your commercials, it starts out with a young girl and a word bleeped out. Shame on Spot ins. I was looking for insurance for my cat but will look elsewhere. Is this how you want your company to be known for. Cursing and bleeping? You know I am but one person, and one person means nothing to a company like you. But will all my hopes and prayers, I hope I will not be just one person. Shame.
Insurer: Spot
By: London James
Filing a claim is super easy
Filing a claim is super easy. When my claim is for prescription meds, I typically have my reimbursement in my bank account within 48 hours!
Insurer: Embrace
By: G. Schuchman
Prompt Responses
Quick responses. This company follows up every claim with accuracy and professionalism. We began with Embrace Pet Insurance in 2004.That makes 21 years of coverage for three (3) fur babies.
Insurer: Embrace
By: Oriana Brown Armstrong
Happy I choose Spot for my pet insurance!!
We had a sudden injury to our Lizzy and we contacted Spot. Spot was quick to contact our veterinarian and get all information needed and started to process our claims. I am so happy with Spot, I will definitely recommend them to everyone!!!
Insurer: Spot
By: Bruce & Cindy Severs