Spot Pet InsuranceReviews of spotpet.com

Filing claims for reimbursement is easy. However, getting reimbursed has proved to be difficult. Reps give a canned response and then tell you that you must appeal the claim decision, if you disagree (that can take an additional 30-60 days). What should be applied to your deductible, isn't. I will not be renewing next year when my renewal comes due, I will be looking at better pet insurance options.

Keep finding any excuse to not reimburse the full percentage. I have sent in documents from my pet’s vet stating how illnesses are not connected to a pre-existing condition yet they still won’t cover because they see a word stated twice. For example, the vet used the word “dermatitis” twice so they said it’s the same condition

I am extremely unhappy with Spot. I have had them for 12 months, I initiated the policy right when I got my puppy (she was 8 weeks), I started an accident+illness plan with a $500 deductible. To date (September 2024) I have paid $720 in policy premiums ($60.00/mo), I have submitted about $984 in claims from my vet for various things over the last year - most of them were categorized as "wellness" and thus, not covered by my policy. Fine, I get that. Fast forward to present day, I audit my finances, see that I have spent over $1800 on my dog between vet bills, policy premiums, whatever - fine, great, I love my dog want the best for her, not an issue. My issue comes into play when I contact Spot to cancel my policy because it doesn't make financial sense for me, my dog, or my financial situation. The rep tells me ok, I'll cancel but I see you had a claim for Otitis (a simple run-of-the-mill doggy ear infection) which was treated & resolved by the way! (neither here nor there), she (the rep) goes on to say, this is INCURABLE, and a chronic condition, then she backtracks & states it's an allergy & you (me) will never have that covered by us or any other pet insurance company. Then the hard-sell bully tactics begin in effort to get me to keep my policy. I have 2 major issues with this 1) are you (the rep) a vet? or even a vet tech? are you familiar with my dog's condition? 2) Ok fine, it's never covered again (ooooh, I'm shaking in my boots) so I have to pay for my dog's potential, future ear infection out of pocket? Ok? So? Wouldn't the appropriate response be to tell me "just be aware that you have a documented condition that will likely be denied in the future should you submit any claims for that specific condition. All of this is relatively moot as my dog's ear condition was not classified as chronic, nor an allergy or any other excluded condition. I am extremely disappointed in the competency of the folks speaking on their product, they are not versed & they lack basic ability to explain things adequately. I will take my money elsewhere & my main takeaway is that I learned that having an overall healthy pup, I should have shopped for a different product altogether. I should have been comparing accident/emergency plans, not wellness+accident, the reimbursement was crap & I ended up paying 9/10 of my vet bills on my own!

Beware! Use any other pet insurance but this one. They start off great paying the small claims but when something becomes an issue they like to say it’s “pre existing” their rates jumped 40% and they are real quick to charge your card the monthly fee. If my pet had pre existing conditions then why did you pay them out at the beginning? Pneumonia is not pre existing. Pumpkin Lemonade Figo Spot is the worst. UPDATE- Review the account- these are not preexisting conditions- your company paid out several claims for the same issues from 2023.

Spots does not reimburse any medical expenses. I paid over $300 for an initial wellness check and fecal test for my 8 week old puppy and received $75 back. I even added the platinum coverage for the extra coverage with a 90% reimbursement and even that does not reimburse even half of what I have paid.

I originally left a 5 star review because of good customer service, ease of use and quick reimbursement. Going into my 3rd year with the insurance and one of my cats had surgery. Again , quick reimbursement and no issues . However , I just received a renewal notice with a $30 increase ( which is a 75% increase, crazy!!) and a canned answer on to why ( rate changed because of increase vet costs , location, age and will never increase because of pet’s claim history ). There is no way vet costs or being one year older should warrant such high increase! Even with changing deductible or reimbursement percentage , the insurance becomes worthless and way too expenses . I am very disappointed by the large rate increase after being a loyal customer with two cats for so long

Complete scam. Beware. They deny everything as "pre-existing". It may have existed before I obtained the pet! But it was not diagnosed until after I obtained the pet and purchased the insurance. Even with her spay they denied all supportive care. I canceled the policy by telephone and they denied they received a call.

Spot pet insurance has been a really bad experience for me both times. I feel like they are very slow with the claims. Unfortunately, this company cost too much and reimburses so little. I had a $900 (only accepted $866) vet bill for an emergency visit and I already met my deductible and they only reimbursed me $255. There are better places than this. Claim# 5500500 And the company is going to give a canned response to this stating that that I should contact them. Please know that I have contacted them and voiced my concerns and they are doing nothing about it.