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I subscribed to Spot for insurance on…Jan 17, 2023
EDIT 8/18/23 I received a call from Spot Customer Service yesterday regarding my review here. I didn't think to write down her name, but she was very courteous and seemed genuinely concerned. She apologized for the person who hung up on me on my previous call and said that the problem had been addressed. She explained that the delay in getting Dudley's vet records on the latest claim was in getting them updated from the ones they'd received previously, which sounded reasonable. I am upgrading my rating from 1 to 4 stars. While none of my expenses have been covered as yet, they have replied to my reviews here in a manner that allays at least most, if not all, of my concerns. I will continue using them as my insurer. EDIT 8/8/23 I called Spot after they replied here, suggesting I do so. I reiterated my complaints as described below. On the issue of not paying for his vaccinations, they explained that I hadn't paid for preventative care when I purchased the insurance. Fair enough, I'd forgotten that. On the issue of delaying a decision on my claim for his vaccinations for weeks, claiming they didn't have his records, even though they'd denied two previous claims based on his records, at first he didn't reply. When I repeated the question, HE HUNG UP ON ME! Guess who's going shopping! Original Post, circa Aug 1: I subscribed to Spot for insurance on my 11 yr old dachshund a few months ago. So far I've submitted 3 claims totally over $1300 and not a dime of it has been accepted. I'm beginning to think that any ailment he may have is automatically considered a pre-existing condition. This includes his vaccinations which I thought would be covered under preventative medicine (which is specifically named in the policy and on the selection list when you file a claim) though they denied that too. I'm sure that somewhere in the fine print, probably on page 47, that vaccinations, along with everything else that might actually happen, is excluded. The decision on this payment took weeks because they needed his records which they claimed not to have even though both previous claims were denied as existing conditions months earlier. So how did they know they were pre-existing conditions if they didn't yet have his records? I smell a rat!
Insurer: Spot
By: David Bellamy
The Pros and Cons of having pet insurance
Friendly, knowledgeable and helpful in getting what I needed.
Insurer: Trupanion
By: Linda Hayes
Very easy to use the website
Very easy to use the website
Insurer: Figo
By: Adrienne
LOVE this pet insurance!
LOVE this pet insurance!! I have referred all my friends!
Insurer: Embrace
By: Jan
Filing a claim has never been easier
Filing a claim has never been easier or as fast. Excellent website with easy to follow instructions. Only my second time filing a claim and it was superior.
Insurer: Embrace
By: Ken
Very Happy Pups and Humans!
We have been customers for over two years now. During that time we've had two claims and the process it so simple! The customer service has been great and always very good at getting back to you quickly with any additional questions, if needed! I would definitely recommend Embrace!
Insurer: Embrace
By: Kelli Stephens
Fast and reliable service
Fast and reliable service, easy customer service
Insurer: Pumpkin
By: Rob Lubanski
Great
Great just wish they would pay for wellness checks and preventative
Insurer: Pets Best
By: Tamara Irwin
Clear communication; fair and consistent reimbursements
I've been with Fetch for about 2 years and they have been fair and consistent. They communicate quickly and clearly and have fairly reimbursed me for my pet's claims. I am glad that I selected Fetch as my pet insurance company.
Insurer: Fetch
By: Kim Ruggeri
You answered the phone right away and…
You answered the phone right away and continued to be helpful. Thanks for that
Insurer: Pumpkin
By: customer