Spot Pet InsuranceReviews of spotpet.com

I pay for gold preventative but when I submitted my claim for heart guard they didn’t cover any of it.

I took Harry to vet in February concers on his health, It wasn’t a wellness visit, it said on receipt sick visit. They weren’t able to give him his vaccines so I needed to reschedule for vaccines. I brought this to the attention of the vet and she said spot could call and they would tell them first visit was sick visit. When I called after submitting the wellness receipt I spoke to a young lady, who I knew her English wasn’t very good and I knew she didn’t understand my concerns. My question was I was now paying for 2 vet visits even though one was wellness one was a sick call. But after putting me on hold for a few minutes she said there was nothing spot could do. Over a 725.00 vet bill I only got 200.00 back, that seems a bit crazy to me. Not happy with spots reimbursement policy at all.

I was unsatisfied with the explanation of the evaluations of my vet bills claim.

Covers little to nothing for dental and still waiting on refund from the vet which was almost 3 weeks ago. Very disappointed...

Spot has drastically changed over the last year and is now aggressively pursuing claims denial. They were largely taken over by a large holding company called IPH who now control all underwriting and claims. They were a well respected and good company who established a better reputation than competing brands. Here’s a real life example of the aggressive and unethical practices: I have a current claim pending for $400 and appropriate vet billing and medical records were provided. They are denying the claim because they have not received medical notes from three additional vets. Well the catch is that she has never been to these three vets. They were vets who saw 2 of my other dogs over the last 1.5 years. Although I have offered to obtain verification from these vets spot declined this and has said the claim will be closed unless they receive medical records. Bizarre but true. My only recourse is pay an attorney serial times what the claim is worth or go to my states insurance commissioner, but they need to see that some sort of specific law or regulation has been violated. The bad news is that at this time the Pet Insurance industry has been able to function largely unregulated, meaning they are able to make decisions based on their own assessment of claims as long as they don’t overtly break the law. I have had health insurance for my Pets over the last 10 years and have seen this trend not only in Spot but in other companies especially over the last three or four years.

I am always disappointed by the amount Spot pays versus the amount my vet charges which is consistent with the rest of my area vets. This seems to me to be partial coverage. Nothing close to 80% for example. And it doesn't seem to matter whether we are talking about shots or wellness exam or an illness exam. I am reconsidering using Spot moving forward because what I pay for it does not seem to be a good value relative to what they are covering.

I submitted a claim for wellness exam and immunizations a few weeks before my policy was set to expire, then my renewal came and my rate went up almost 10%. I doubt it was coincidental and can't imagine what percentage increase it would have been had I submitted a claim for illnesses or injuries.

Not responsive, have to keep checking into. app for information. Coverage for cost has not met our expectations