Spot Pet InsuranceReviews of spotpet.com

SPOT PET INSURANCE IS A SCAM! THEY LOVE TAKING MY MONTHLY PREMIUM'S BUT WHEN IT CAME TIME TO MAKE A FIRST CLAIM THEY CAME UP WITH A B.S. PRE-EXISTING CONDITIONS AND WOULD NOT COVER THE TREATMENT OF THE LARGE HEMATOMA ON MY BOYS RIGHT EAR. BEWARE!!!!!!!!!!!!!!!!!! DO NOT WASTE YOUR MONEY!!!!!!!!!! B.W. / COMMERCE TWP. MI

Spot Pet Insurence is a scam. They will not pay for the cost seeing with the vet which you already paid out of pocket. I got the plan accident and illness already 9 months and my two cats are 13 months now. Last 2 weeks ago one of my cat look hard to use litter box and he changed behavior using litter box, so i went to a vet and follow the procedures a vet need to know what happen to him. Then I called the spot customer service for how to claim a bill and she show me how to claim, but also she told me for the future before you payout you have to claim estimate bills first then after they approved i can do process. I was never heard like it before. In my case this is the cat not dog, as long as they are healthy i am not seeing the vet. After claim filled a week later spot asked for the medical record that my cats are not even born date. I called them and told them about it and to file what ever i have. Then I reclaim again with my cat very first vaccine that my breeder took, other than that i do not update any more because they are kitten and healthy. Then they said not eligible of the whole invoice of claim. I called spot and they keep asking vaccine record that i do not have. I can even understand that they do not want to pay total invoice but should be cover for some of them like seeing the vet cost or some medication. I just write about this to understand how they are handling on claiming process. They are just try to find a reasons to not pay back. Also what they sale about coverage and no worry about cost at the beginning are all lie and beware for it. What i paid 9 months insurence $114.61 for both cats doesn’t even cover a penny of first claim. I will end with them. Updated: they not pay because i don’t have wellness vaccine records for cats. What is the point for paid them for past 9 months for plan illness.

After submitting the full records 3x the claim was denied and no part of the visit was accepted towards our deductible. The reason states unable to obtain records. When I reached out to let them know they were sent three times they want lab work and records for the past 2 years. Our dog was rescued 6 months ago and this visit was for bronchitis, the records submitted were the detailed records of the days visit including the x-ray report, his physical exam, and medication prescribed

I paid 149 to 191 dollars a month for insurance never had a claim than my dog need surgery for this throat the bill was 6,661 l thought that l would get 70% of the bill and you paid me 3,000 telling me i reached my limit. The amount of money I paid for insurance you should have covered the 70%, I will never tell anyone to get your insurance you are a rid off oh I almost forgot I was told l could not file a claim for 1 years but still pay the monthly premium bye bye

They deserve a zero. They have not paid any of claims. My vet and I sent them all the notes and info they requested then they claim they were unsuccessful obtaining them!! They are full of it! This place is a scam! You pay them premiums but when it's time for them to pay, they find any false excuses to deny your claim. Avoid doing business with this place. I will be canceling and go somewhere else.

Nothing went wrong, I just needed help with my first use of the system to receive reimbursement for vet visit.

ABSOLUTELY SCAM OF A COMPANY! THEY TAKE YOUR MONTHLY PAYMENTS AND DENY EVERY CLAIM!! TERRIBLE CUSTOMER SERVICE, TOO!! DO NOT BUY! GO READ BETTER BUSINESS BUREAU REVIEWS!! BUYER BEWARE!! WORST COMPANY EVER! MAKE SURE YOU GET A CONFIRMATION OF CANCELATION OR THEY WILL KEEP CHARGING YOU!!

HORRIBLE. I paid premiums' for almost two years and when my cat needed HELP they where no where to be found. I had the accident and injury policy. To make a long story short , my cat developed diabetes, My local pet hospital was pretty much useless too. When I submitted the bills, i was sent a denial and a EOB of bullshit. I submitted two claims back to back as my cat had developed a new problem unrelated to his diabetes,( Hole in Throat and having a pretty serious problem with his eye all in a week or two). My cay had to be put to SLEEP due to his developing condition. SO IF YOU DONT LIKE TO BE REIMBURSSED AND LIKE BEING LIED TO , This might be your place.