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Please read before you decide to go with Spots Pet insurance
I have had Spots pet insurance on all my dogs for several years and up until the last few weeks, I would have given 5 stars without hesitation, until what happened with my last pup. My 15 month old dog was misdiagnosed by several vets with what turned out to be a significant neck injury. At first Spots was amazing and paid for every vet appointment without any problem. Once I figured out that the only thing that helped my dog improve was a combination of pain meds and going to a pet chiropractor for adjustments. Before I started going to the pet chiropractor, I double checked with Spots pet insurance to make sure that they would cover the chiropractor and they said that they do cover it, so I started going to a pet chiropractor to start treatment. My dog improved more every time I took him. The only problem was that this pet chiropractor was over an hour away so I decided to take him to a pet chiropractor closer to my home. The only difference between this pet chiropractor and the other one is that my lastest pet chiropractor is more qualified than the previous one. And all of of a sudden Spots decided that this Pet chiropractor doesn't qualify and refused to pay the bill, even though they paid the other one without a problem. Make that make sense!!! I appealed the claim and they denied it because they said that the pet chiropractor has to either be an actual vet or has to be in a vet office. Last time I checked Pet chiropractors are actual doctors. I'm very disappointed with Spots pet insurance because they were amazing and now they seem to be changing the rules and acting like it was always this way. And now my dog has a preexisting condition so I can't go through another pet insurance because they won't cover it. I guess I just want people to be aware of these things happening so you can maybe think twice before going through this insurance company, although I think they are all pulling this BS so they don't have to pay some claims. Update on this review.. I noticed that all negative reviews will get a comment from Spots saying that they will send this back to customer service to be reviewed or some other kind of wording to give the impression that they will be reconsidering their decision to pay the claim but I feel that this is done just to give the impression that they will be paying a claim. Unfortunately I feel like its all just to make the company appear like they care, when in reality they only care about making money so every legitimate claim they deny puts more money in their own pockets. When I first signed up for Spots insurance 3 years ago, they had a rating of 4.8 but now it's a 4.1 so that shows that customer service doesn't matter to them and that making money is their only priority. And honestly I hope they get sued for all the legitimate claims they have denied. This company has gone down the toilet and hopefully they figure it out before they lose most of their customers, myself included.
Insurer: Spot
By: Linda Hatch
Claim process is easy and reliable
Claim process is easy and reliable
Insurer: Embrace
By: Joseph Simmons
We love Embrace!
We love Embrace!
Insurer: Embrace
By: Victoria Lynn Berdnik-Atkinson
Premium Increase after 1 yr.
Claims are usually paid within two weeks. My last claim took almost a month because they said they needed more info……which they received with a day of asking. Other than that, my only issue is after the first year of insurance, the premiums almost doubled because of “veterinarian cost increases”. Needless to say, we’ll insurance shop and find another provider
Insurer: Embrace
By: Dennis Ross
Amanda Mello was very upbeat
Amanda Mello was very upbeat, helpful and knowledgeable about your new Wellness Reimbursement Program. She immediately sent all the necessary information I needed to help make my decision to purchase the Wellness Program for my pet.
Insurer: Fetch
By: Angela
I submitted a claim for flea meds
I submitted a claim for flea meds. I submitted the invoice from Costco and was told I needed a prescription from the vet. I sent in the prescription and was told I needed something called a "Go sheet" from Costco. The example matched the sticker on the meds box so I sent that in. Then, I was told that Costco's invoice only had an RX number and not the actual name for the flea meds. So, I went back to Costco and, after research, they are mailing me another invoice (they don't do emails!). All in all, it is taken me nearly two months, numerous emails, and two phone calls to simply get reimbursed for flea medication. This is insane!
Insurer: Embrace
By: Mark Miller
Fetch Insurance for cats is second to…
Fetch Insurance for cats is second to none! They even cover dental expenses 80 %! And when I sent my oldest cat, Shadow, to the Alta Vista Animal Hospital Emergency in Ottawa fro July 25-28 2024, FETCH accepted my claim!
Insurer: Fetch Canada
By: Richard Vallance
Absolutely Worth It!
I cannot express how thankful I am that the claim process was so simple during such a hard time. Insurance is one of those things that you don't think about until you need it and when you need it, you don't want it to be difficult. The level of coverage, the customer service, and pricing are all great and well worth it! Highly recommend!
Insurer: Embrace
By: Jennifer
Could not BE easier to file a claim
Could not BE easier to file a claim! Finally, one easy part of my day!
Insurer: Embrace
By: E Parker
Wasn’t happy with trupanion so back to…
Wasn’t happy with trupanion so back to fetch
Insurer: Fetch Canada
By: Lello G