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I don't have much to say except that I've been with a few pet insurance companies over the year, and Spot has been one of the most cost-efficient (especially for our older dogs) and has been one of the easiest to process claims with. As expected, new conditions took a little longer to process (a couple weeks) because our vet needed to submit copies of medical records - but otherwise, the claims are started via the website or their app and submitted within minutes, most claims are completed within days, and they're directly deposited to my account. The entire process is smooth and the UI works great.

On a $400 claim, Pets Best denied all but $60 saying "wellness maximum benefit exceeded." These were claims for January - when did I exceed my annual maximum benefit for the year? Also, it doesn't appear the unpaid expenses were even credited toward my annual deductible - what a rip-off.

I have witnessed my premiums skyrocket in the past 4 years from $400 to my latest premium of almost $1100, with having NO claims submitted during this time. Beware, run like hell, it’s all about money for this company. I enquired that, because I had no claims submitted, would my premiums offer some sort of a reduction. Answer was a flat no. Pathetic Company

Our sweet Catahoula leopard dog, Odin, was diagnosed with hemangiosarcoma this past June. My husband and I were devastated with the prognosis we got. He's my soul dog and I knew I needed to do anything and everything I could to help him, and because we had Pets Best, we were able to take on the challenge of fighting this aggressive cancer. We have been able to work with a surgeon in the Lehigh Valley Region of Pennsylvania, an Oncologist near Philly, and of course our primary vet in the Poconos, to get him as much help as possible. In June, we were given 1-3 months with our boy. I am so grateful to say that he is doing so well 6 months later and beating all the odds! If it wasn't for Pets Best, we would not have been able to do all that we have for him. I don't like to think about the decision we would have had to make without knowing that Pets Best had our back throughout this process. Because of this, I will never not have my pups on their insurance plans 🤍 thank you endlessly for helping up through one of the hardest times of our life. Odin sends so many face licks and tail wags 🐾

This company skirts over the fact that your deductible is used in an untypical fashion. For a $1300 bill, they only covered $49. My deductible is $1000 and I pay 20% of the bill that’s covered. The issue is that they calculate the 80% they pay first, put your deductible towards that, and then reimburse so it’s a much smaller reimbursement than typical insurance would do. I’ll be switching back to Embrace even though my premium will be a little higher.

They say 3-5 business days but it ends up being 3-5 weeks and then randomly they'll send you an email weeks later that they're missing a document, which more often then not, they already have. And then because they put stuff on hold, once you contact them again, the entire process starts all over again and you have to wait another 3-5 weeks. It's extremely inconvenient/.

I have had Healthy Paws insurance for 6 years and had never filed a claim. Recently my labradoodle had a GI infection that required a few visits to the vet hospital. After the visit I logged into the Healthy Paws site to file a claim and was very surprised to learn how easy it was to submit a claim. I believe I received a message that my claim was approved within a week and a week later had a check for the amount. I highly recommend Healthy Paws for your pet. If something significant should happen to your pet it is nice to have the piece of mind that there is some coverage and financial reimbursement for the visits.

Easy, timely, respectful!

They sure don't tell you they're going to keep all of your money for the deductible. There really is no reimbursement it's a crock.

Got reimbursed within 10 business days