Spot Pet InsuranceReviews of spotpet.com

I don't understand why I didn't get a full reimbursement

TERRIBLE CUSTOMER SERVICE, IF ANY. RATE CHANGES WITHOUT CONSENT OR NOTIFICATION. TERRRIBLE COMPANY! DO NOT WASTE YOUR TIME OR MONEY. IT'S A SCAM!!! WEEKS OF TRYING TO GET ANYTHING ANSWERED, WITH NO HELP.

The 15-day waiting period is poorly communicated to new clients. We had to switch insurance because our dog was covered through a specific vet, and she developed serious health issues, leading to the discovery of a mass in her colon. Despite finding the mass well after the 15-day period, they claimed it was a preexisting condition because she was treated for diarrhea within that time frame. They also stated that her surgery to remove the mass wasn’t covered under the illness and accident plan. Their claim responses are minimal and generic, offering no straightforward way to dispute without calling and dealing with someone on the phone. We were in a difficult position switching providers, just trying to save our dog’s life. I expected some compassion from the company in such situations. Ultimately, we were penalized by the 15-day waiting period. Ironically, they had no problem taking my money from day one! Thanks for wasting my time and money!

Absolutely horrible company. They denied 80% of my first claim. I specifically asked the salesperson about the claims they denied and she assured me they’d be covered. After my claims were denied, I spoke with Spot and said my sales rep specifically told me they were covered. The customer service rep said they’d send me a transcript of my sales call. A day later Spot called me and said they wouldn’t be sending me the transcript of the call they had previously offered. Awfully suspicious! Needless to say I’ve dropped my insurance with Spot and highly recommend everyone to stay away from Spot Insurance. Companies like Spot Insurance are what gives the insurance industry a bad name. If you want to pay a premium for insurance and have every claim declined, Spot Insurance is for you. I read other reviews after submitting my review and it’s remarkable how consistently deceitful Spot is! For example, all dogs have pre-existing ears/legs/… and as such Spot will find an excuse to consider any claim as pre-existing! Based on my experience, I agree with the review that states that the good reviews are fake. If you care about your pet and value your time and dollar, go with another provider, Spot is NOT for you!

Hello, I had Spot Pet Insurance for almost two years, I have paid $212.35 a month. I have a four year old Great Dane healthy. I finally needed to use Spot Pet Insurance what I have paid every month. I noticed my Great Dane started itching after a few weeks after being seen at his vet. I called the vet, I asked the nurse/ vet doctor I noticed my Great Dane itchy. He told me possible allergies this time of season. I said okay, also explained I had Spot Pet Insurance. The Vet told me, I am going to right you an estimate so you can submit the claim to Spot Pet Insurance. I said Great let’s do that. My vet emails me the estimate claim of procedures they want to do for my Great Dane. In 15 minutes I receive the claim of procedures. I quickly turn around and email the claim of procedures to Spot Pet Insurance that I have had for almost two years of paying $212.35 monthly. I am waiting and waiting a week already for Spot Insurance to come back and tell me we need to go back six months before you had Spot Pet Insurance. Of course I am not happy, I am seeing my poor Great Dane Itching and Itching its already been a week later. A week later Spot Insurance sends me a message on there app that they need more information. Spot Pet Insurance is contacting my vet to get my Great Dane history the last six months prior of Insurance with them. Again I am not happy, I called told my vet please send Spot Pet Insurance the documents Spot Pet Insurance needs. My Great Dane needs to see the vet. My vet sure right away no problem. Once again I am waiting and waiting another week from Spot Pet Insurance to send me an email that my claim was denied due to prior pre-existing conditions. At this point I am beyond Furious my Great Dane had no prior pre-existing conditions. I want everybody that has Spot Pet Insurance. Or is looking to buy pet insurance. To know how Spot Pet Insurance does to not pay when my Great Dane needed help. How they get around Not taken care of my Healthy Great Dane is why I’m writing this horrible Review about This Company. Two months prior from me getting Spot Pet Insurance. As pet owners, we ask our vet questions about our pet, we are concerned. We love our pet. We don’t want nothing to happen to our pet. We love our pets, These pets are our children. The vet put at the bottom on a side note for my knowledge having a Great Dane may need to check food allergies. Great Danes are sensitive to food. Not once did my vet say that my Great Dane needed to be treated for allergies? Not once did the vet prescribed my Great Dane medication. Again My great Dane was not treated for allergies of no sort from the vet at that time. I repeat my great Dane was not treated for allergies of any sort of that of allergies on that day. Again, because The vet put at the bottom on a side note for my knowledge having a Great Dane may need to check food allergies every Great Dane is different. That’s why Spot Pet Insurance denied treatment for my Great Dane saying the side note that was from my knowledge of me asking questions was a pre-existing condition for my Great Dane. Spot Pet Insurance left my poor baby my Great Dane itching for weeks saying a pre-existing condition that was not treated for just because a side note that I was asking questions about my Great Dane. This company pride themselves how much they care about pets. How they are there for you. How they are there to help you. I can tell you from experience this company. They pride themselves on how they don’t care about your pets. This company did not help me. I repeat This company did not help with my Great Dane. I went back to my vet and told them that my claim was denied from Spot Pet Insurance because of what was in the side note. My vet laughed, he couldn’t believe it. He told me I’m am going to write you a paper stating that your Great Dane had no allergies at this time and was not treated for allergies at this time. Take that back to Spot Pet Insurance. I did submit that Document the vet wrote for me to Spot Pet Insurance. Also Cancelled my dog Spot Pet Insurance immediately after with them as this is Worse Company that would use a side note for my knowledge to not treat my Great Dane. Use something so out of this world as side note to leave my Great Dane itching for weeks to say it is a pre-existing condition because of a side note that I was asking questions about my Great Dane getting information. Again, I want Whoever reads my review my Great Dane was not treated at the vet, was not given any medication. My Great Dane was not even being seen for allergies, this was a check up for my Great Dane, This is why I was asking questions about my Great Dane. This company Spot Pet Insurance left my Great Dane without treatment. If anybody is considering Spot Pet Insurance. PLEASE BE AWARE OF THIS COMPANY…SPOT PET INSURANCE.

Really really terrible. Please trust me when I say these other reviews are absolutely fake. We did everything right, submitted bills, left vet info, emailed multiple times, and never even got a call back. Once we did call them to see where the process of just getting our deductible properly lowered from visits to the vet, we told that they never had anything submitted and to resubmit all the information. So no worries did it once, and did it all again. Waited for 5 days, they told us that nothing (standard vet check up, with medicine for an ear infection, and allergies medicine) was a pre existing condition. An ear infection isn’t a pre existing condition. Literally such a scam, please for the love of your dog and pets don’t send a penny to them. It’s been nothing but awful and I guarantee that these reviews have to be fake. Read them they all sound like a robot. I can verify mine very easily.

The 15 day waiting period isn’t well presented to new clients at all. We recently had to switch insurance because our dog had insurance through a specific vet and had some major issues that led to us finding a mass in her colon. Even though we found the mass well after the 15 day period they claimed that because she was treated for diarrhea within the 15 day period her mass was a preexisting condition. They also claimed her surgery to remove the mass wasn’t even covered under the illness and accident plan. When they complete claims they give very minimal, canned responses as to their reasoning and give no immediate way to dispute claims without calling and getting into things with someone on the phone. We were stuck in a tough position with switching insurance providers. All we were trying to do was save our dog’s life. I’d expect a company to give some bit of compassion in situations like this. At the end of it all we got screwed by the 15 day waiting period. Funny though, they sure as hell took my money on day one! Thanks for wasting my time and money! Edit: Just to note, I was so perturbed by the above I called and cancelled my service. If someone from the Spot team can resolve my issue, I'll be more than happy to remove this review. I'll edit as necessary. Edit 2: Other than a repeat of the above re-explanation of terms and preexisting conditions from spot, no real, meaningful, empathetic responses were ever received from the company as they claimed in their response here. 2 days before Christmas, we had to put our little girl down because we couldn't afford the additional care she required after surgery and other care required for a full recovery after the cancer. Literally can't begin to express the upmost anger and hatred I will forever hold against this company. Glad I was able to add some dollars to your 2024 profit margins at the expense of a member of my family.

I have had Spots pet insurance on all my dogs for several years and up until the last few weeks, I would have given 5 stars without hesitation, until what happened with my last pup. My 15 month old dog was misdiagnosed by several vets with what turned out to be a significant neck injury. At first Spots was amazing and paid for every vet appointment without any problem. Once I figured out that the only thing that helped my dog improve was a combination of pain meds and going to a pet chiropractor for adjustments. Before I started going to the pet chiropractor, I double checked with Spots pet insurance to make sure that they would cover the chiropractor and they said that they do cover it, so I started going to a pet chiropractor to start treatment. My dog improved more every time I took him. The only problem was that this pet chiropractor was over an hour away so I decided to take him to a pet chiropractor closer to my home. The only difference between this pet chiropractor and the other one is that my lastest pet chiropractor is more qualified than the previous one. And all of of a sudden Spots decided that this Pet chiropractor doesn't qualify and refused to pay the bill, even though they paid the other one without a problem. Make that make sense!!! I appealed the claim and they denied it because they said that the pet chiropractor has to either be an actual vet or has to be in a vet office. Last time I checked Pet chiropractors are actual doctors. I'm very disappointed with Spots pet insurance because they were amazing and now they seem to be changing the rules and acting like it was always this way. And now my dog has a preexisting condition so I can't go through another pet insurance because they won't cover it. I guess I just want people to be aware of these things happening so you can maybe think twice before going through this insurance company, although I think they are all pulling this BS so they don't have to pay some claims. Update on this review.. I noticed that all negative reviews will get a comment from Spots saying that they will send this back to customer service to be reviewed or some other kind of wording to give the impression that they will be reconsidering their decision to pay the claim but I feel that this is done just to give the impression that they will be paying a claim. Unfortunately I feel like its all just to make the company appear like they care, when in reality they only care about making money so every legitimate claim they deny puts more money in their own pockets. When I first signed up for Spots insurance 3 years ago, they had a rating of 4.8 but now it's a 4.1 so that shows that customer service doesn't matter to them and that making money is their only priority. And honestly I hope they get sued for all the legitimate claims they have denied. This company has gone down the toilet and hopefully they figure it out before they lose most of their customers, myself included.