Spot Pet InsuranceReviews of spotpet.com

If I could give it zero stars I would have. I rescued a poodle three months ago and brought to a vet the next day. He did a basic exam and said she needed some teeth removed and he wanted to test a flap of skin so we booked an appointment for a later date and I bought the spot $4000 pet insurance. She had not been diagnosed with anything at this point. $2500 later she had 17 teeth removed and I turned in the paperwork. Weeks and weeks and weeks went by. The results came back from the flap and it was cancer. Today I was informed that my initial claim was completed. Denied due to pre existing condition. So is the cancer surgery. What a scam this is. I am reporting to BBB. Pet owners beware!

Stay away from this insurance!!!! I have an 8 month old puppy I rescued from a back yard Tied to a trampoline with no water in the Florida Sun. He was emaciated, and crying. I brought him home, fed and bathed him, then signed him up with Spot for pet insurance on October 21. I signed him up for accident/illness coverage, and was told there was a 10 day waiting period for the company's protection against pre-existing conditions. I called my vet and tried to schedule for an appointment, and the earliest one I could get was for November 9th, so I scheduled it, figuring I had the waiting period to get through. Around Halloween, I noticed that he was squinting his right, and that is was a little red, a couple days later, he stated scratching constantly at his right ear. I bought dog wipes, and cleaned out both ears. He was fine for a couple days, before I noticed he was starting with diarrhea. I called the vet's office, and they told me to give him boiled chicken and white rice because he was emaciated. November 9th I took him for his visit. He had an eye infection, an ear infection, and hookworm. They cleaned ans packed his ears, gave him a shot for hookworm, and treated his eye. They also gave him his puppy vaccinations. I was prescribed medication for all three illnesses and we were sent home with a two week follow up scheduled on November 22nd. The next morning, I filed the claim, and gave a brief description of what was going on. The vet bill was $465, $159 of that was for his vaccinations, which I knew was not covered under his plan. The claim took 3 weeks to process, and Spot blamed it on the vet, saying they never sent the info over to them. my vet showed me proof that they sent it over twice. The claim was finally processed, and 3 of the 4 categories listed were under accident/Illness, which left a total of $306 dollars which was not reimbersed. I called Spot to inquire about this, and they told me that the illness started before the waiting period was over. I told them I waited 19 days to take him to the vet. I am not a vet, and I could not diagnose him if there was an illness! That's why i took him to the vet!!!! they told me the illness occurred before the end of the waiting period, therefore, it was not covered because it was considered a pre-existing condition! Really. I paid my premium, went through the waiting period, and my dog got sick before his vet appointment, and it's a pre-existing condition???? They use technicalities to the limit!!! I am not a vet!!! I should have lied in the box where they asked what was going on. They lied, why cant I? Spot feeds you the line that they are all about pet awareness, then they pull this??? THEY ARE LIARS, AND THEY WILL RIP YOU OFF!!!! Do not rescue a dog with this insurance!!!! If you do, lie about everything, or you won't be covered!!!! I am cancelling this policy and going with a different pet insurance. I know his second claim for his follow up, which is still in processing after a week, will be denied. Do your homework before buying pet insurance!!! My health plan doesn't pull this crap when I file a claim!!! Ive gone to my local news station, and they are doing an investigation on Spot, and their reimbursement policies! Stay tuned... Update: they are very so sorry for my bad experience, and that is never easy to reject a claim. I should call the customer service number, and they will explain why my claim was denied. DON’T GET THIS INSURANCE!!!! I called the customer, and they explained their decision, and I repeat what I said before. THEY ARE LIARS AND THEY WILL RIP YOU OFF!!! Do not expected to be reimbursed for your claim! They will give you every excuse as for why they denied your claim!!! Nothing has Changed!!! I am going to go with Pumpkin Pet insurance. They really care about both you and your pet! They promote pet wellness. Spot will just take your money, lie to you, and screw you!!! My local Fox Television station had been contacted, and they will be doing an investigation followed by a news story about Spot and other companies lack of transparency! Stay tuned. This is not over!

I cant get a hold of a person to even help me login. horrible. embrace would pick up. -.-

cannot get premium correct, already unhappy

Bad unreliable does not follow reimbursement program Delay complicated claims Unreliable stressful experience We are not satisfied with SPOT

Just processed a claim and completed, with no explanation whatsoever. Called the insurance and they said our dog was diagnosed with gastroenteritis which is a desease and not an accident. The thing is our dog ingested something that caused stomach upset and vomitting blood but guess what they will not cover it because they keep saying its gastroenteritis. Ingesting foreign object is included for the accident insurance that they offer but if your dog got gastroenteritis as a result of ingesting foreign object then it's not covered! Funny how they can get away with it and play you with the policies they have. Oh well, time to find another insurance...

The claim submission form is very difficult to use.uploading invoice function does not work. Why make this process difficult?

I signed up and paid for a new Spot only coverage for a puppy. Then I received 15 marketing emails telling me to get coverage for all of their available plans including Wellness coverage. In each of the emails, a $25 Amazon gift certificate was mentioned for each new subscriber. Since I had signed up online, I was eligible for the $25 gift certificate. After consideration, I called Spot’s customer service to add the Wellness coverage since I read the marketing emails that were sent daily and I thought it made sense to add this coverage. I was told by the agent that I was not allowed to add this coverage to my original policy and that she had to cancel it and start all over. I agreed since she was going to add the Wellness only policy first which took effect the next day, and then add the Spot coverage which was delayed another two weeks before taking effect. I then asked if I was still qualified for the $25 Amazon certificate and was told No since you had to buy the two plans online at the same time! By the way, you couldn’t add the Wellness plan online after the fact and had to call it in. So I ended up canceling everything and going elsewhere for coverage.