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Hip dysplasia not covered.
I signed up for "complete coverage" on April 5, 2024. On June 19, I changed vets. New vet wanted to do X-rays. That's when hip dysplasia was diagnosed. I submitted all paperwork from both vets. After a lengthy process, they rejected x-ray, meds, FHO estimate because of pre-existing condition, even though we were beyond the 14 day waiting period that they advertise and condition was not diagnosed before coverage began. They said it was pre-existing because the SOAP notes had a reference to a "limp" in March, even though the vet told me it was not an issue because my pup had good range of motion in both hips. I would have been much better off putting my $83 in the bank. Needless to say, I feel like they have false advertisements.
Insurer: ASPCA
By: Sadpup
My puppies routine exam and a fecal…
My puppies routine exam and a fecal tests were not covered under the wellness program when they state it should be. Now I have to get some sort of document from the vet to say otherwise?
Insurer: Embrace
By: Ninfa Garcia
Great Coverage, Easy App
My dog was very sick and required many tests and hospitalization. We spent a lot of money on her care, but the fees did not add stress to the situation because I knew I had Spot insurance. The Spot app was so easy to use and the coverage details were clear. We received 75% reimbursement on our total claim were very grateful to have the coverage!
Insurer: Spot
By: Amy H
Easy app and always very fast
Easy app and always very fast. I have been with them 4yrs now and they are always helpful. Thanks Embrace team.
Insurer: Embrace
By: Deb
Fast response time
I submitted my first claim and the spot processed it and refunded me quickly!
Insurer: Spot
By: Alyssa
Very affordable easy to sign up
Very affordable easy to sign up. Also easy to file a claim and quick refund directly to my bank account.
Insurer: Spot
By: Eleanor McMillan
Worth it!
My doggie had an issue that needed immediate blood work which is expensive. Spot insurance reimbursed me in less than a week. The website is super easy to navigate! I recommended to my bestie. She has Spot now too!
Insurer: Spot
By: Lindsay Lewis
Highly recommend this company!
App is easy to understand and easy to submit claims.
Insurer: Spot
By: Geppetto