Debbie K.
So disappointed with this company
So disappointed with this company. We read all of the reviews, compared other plans. We were with Nationwide for years, but we’re hoping to get better coverage. They do a great sales pitch. However, when our 1 yr old dog had a yeast infection on his ears due to an allergic reaction from a shampoo, he scratched his body and outside of ears because they were itchy. He then got an atopic infection on outside of ears. It was difficult to resolve as they weren’t sure if it was bacterial or fungus. It took a few visits to get it under control, but it was complete resolved. Spot denied a claim for the last visit to his vet, in which they took cultures and administered both antibiotics and fungus meds. It came to almost $700 because we needed to get this resolved once and for all. The culture from the lab came back that it was indeed yeast. They denied the claim claiming it was a pre-existing condition and also said they would not cover any type of dermatitis he ever got in the future. I appealed with notes from the vet that it was resolved. They said that it seemed he had chronic allergies and they won’t cover it! Dogs get yeast infections. Dogs have allergic reactions. But they considered it a permanent chronic condition! We went back to Nationwide.
Response from Spot Pet InsuranceJun 5, 2023
Hi Debbie. We definitely understand it can be frustrating when a claim is denied. Like most providers, we are unable to provide coverage for things showing signs or symptoms prior to enrolling or during the 14-day waiting period. That said, we can help with new accidents or illnesses that may arise in the future, and some pre-existing conditions if they are curable, cured, and symptom free for 180 days. If you need further assistance, please give our customer service team a call at 1-800-905-1595.



