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SPOT is a fraudulent company
SPOT insurance is a fraudulent company that refuses to cover vet bills. My dog was seen for an ear infections related to wet ears. SPOT denied the claim because my dog had previously been seen at an emergency vet when she rolled in grass and had foxtails embedded in her ears. SPOT stated that my pet had a pre-existing condition of ear infections which is untrue because foxtail removal from ears is NOT related to allergies or infections. Spot then claims that my dog was diagnosed with allergies and allergies are a non-curable condition therefore SPOT will not cover any visit or prescription related to allergies. SPOT then continues to state that my dog's ear infection is related to allergies. My dog was NEVER diagnosed with allergies or seen by a vet for allergies until the visit when I submitted a claim. For each claim and each appeal I have filed I have been given a different excuse as to why my claim was denied. I was a customer for a few months which is why I believe my claim was denied because SPOT would not have received enough money in premiums to cover the cost of the claim reimbursement. If the excuses for denial were consistent I would be more likely to believe that SPOT was not a fraudulent company, however they know what to say and how to manipulate medical records to deny payment for a claim.
Insurer: Spot
By: Sarah
I haven’t used the insurance
I haven’t used the insurance, therefore I can’t rate, but had to put a star in to continue!!
Insurer: Figo
By: customer
Very easy app
Very easy app. Love to be able to take a photo in the all. AI works really well. Quick response once claim is accepted
Insurer: Figo
By: Gary
Find every excuse in the book not to…
Find every excuse in the book not to cover costs. I pay $200 a month, (started at $180 and will now be increasing to $220 a month) but that’s besides the fact. I was taking her to a hydrotherapy place that was recommended by my vet at a place where the hydro therapist has the credientials. Was told it won’t be covered because the contract states “direct supervision” but in the policy it states OR a qualified professional with the specified credentials. See policy listed below. It must be recommended by your veterinarian and provided by or under the direct supervision of a licensed veterinarian or a qualified professional (e.g., a registered and credentialed member of the Canine Rehabilitation Institute and/or the American Association of Rehabilitation Veterinarians). Additionally, my dog had one lump on her neck at 5, I registered her at 9 years old and she is now 11. I was denied any financial deductions towards lumps or bumps on her body that have developed within the last year because of the one lump on her neck. It’s absolutely ridiculous and they find any way to get out of helping cover costs of vet bills. You’re better off putting money in a delegate fund and just paying out of pocket.
Insurer: Trupanion
By: ar
I got Figo insurance for my new puppy…
I got Figo insurance for my new puppy and took her to the vet yesterday. I uploaded my claim and heard back right away.
Insurer: Figo
By: juliet
My vet office submitted my claim and I…
My vet office submitted my claim and I received a check. Doesn’t get much easier than that!
Insurer: Embrace
By: customer sheree
We have AKC insurance and LOVE it
We have AKC insurance since our pup came to us at 10 weeks old. It's well paid for itself when she came, she had Guardia we thought she swallowed something. after all the diagnosis the bill was $789 When we first got AKC insurance it started at $56 a month with the wellness plan, and she is now 3 years old it's gone down to $46 a month we use it for just regular checkups and heart worm testing with the mediations and it cost us a few dollars well worth the price and protection!
THIS "INSURANCE" IS A SCAM
THIS "INSURANCE" IS A SCAM. I PAY $1500 A YEAR AND MY DOG HAS A SUSPECTED AUTO-IMMUNE DISEASE AS OF YESTERDAY. IN JANUARY, 2023 HE SPRAINED HIS PAW AT THE BEACH, AND IN JUNE, 2023 HE TORE A LIGAMENT IN HIS LEFT LEG, WHICH RESULTED IN SWELLING BUT IS NOW HEALED. LAST WEEK, HE STARTED HAVING TROUBLE GETTING UP AND SEEMED IN PAIN. THE VET SAW HIM YESTERDAY AND SAID HE NOW HAS SOME SWELLING IN HIS KNEES WHICH MAY BE AN AUTO-IMMUNE DISEASE HE DEVELOPED. He never had fluid in his knees before! YESTERDAY, TRUPANION DENIED COVERAGE STATING SINCE MY DOG PREVIOUSLY HAD SWELLING IN HIS JOINTS--(WELL, OF COURSE-he was injured),THEY ARE NOT COVERING THE NEW SUSPECTED AUTO IMMUNE DISEASE. THATS LIKE SAYING, "Well, you sneezed and had a fever and runny nose in the past, so we are not covering your new cancer diagnosis because those symptoms you're having now you had before. WHAT A SCAM!! BEWARE!!!
Insurer: Trupanion
By: ana mcnamara
Denied claim and lied over the reason
I filed a recent claim for medication refills that had previously been approved though this was the first claim where I had met my deductible and would be owed a payment. My claim was denied and the reason listed was that they were missing medical records. When I called, the representative I spoke with admitted that they had the records, so the reason listed on my explanation of benefits was an outright lie. They did reopen the claim, and eventually approved the medications, giving me a whopping $11 back. So I had to jump through major hoops just to get $11. I had cancelled my policy for a different reason (found better coverage elsewhere) just prior to this incident, but this certainly leaves a bad taste in my mouth.
Insurer: Pets Best
By: LORA ABBOTT
It was really easy getting this…
It was really easy getting this insurance for our puppy. The representative was very good at explaining everything and because our breeder had a coupon we were able to get coverage right away instead of waiting 30 days
Insurer: Trupanion
By: Paula Ramos