Spot Pet InsuranceReviews of spotpet.com

I put in an appeal after my claims were denied. I never received a confirmation it was received or any response at all. I would call into the customer service number and was always told they don’t have any record of my appeal. They gave me the email address which I confirm is where I sent it. after several attempts, they gave me an alternate email to send my appeal and never once received a call back or an email or confirming that they got my appeal. I even asked if I was doing something incorrect. this went on for three months. I gave up!

My claim was approved, but after the reimbursement was issued, the funds were unexpectedly taken back. As a result, I never actually received the reimbursement I was entitled to, and it caused significant financial problems for me. I contacted Spot by phone and was told I would receive a follow-up email, but I never did. I also sent an email myself and have still not received any response. The most disappointing part has not been the mistake itself, but the complete lack of communication. I have been left without answers while trying to recover money that was already approved and should have been paid to me. At this point, I had no choice but to file a formal complaint with the Washington State Office of the Insurance Commissioner.

My insurance policy went up without them, telling me it was going up

This company is not ethical or honest. They have denied claims without honest justification. I have had to file appeals and won. The more I continue to work with Spot, the more burden and bust work they place on me. The claim process states that if medical records are needed, they will secure them from my vet. Now I am getting emails stating that I need to provide the medical records myself.

I had my dog at the vet recently and was speaking to other clients. It was then that I realized what lousy coverage SPOT actually has. I pay nearly $200 per month and the annual coverage is less than 5K. Those with Lemonade and other insurances, pay less than $100 and have coverage up to $50K. Something is wrong here.

I have had this pet insurance for my pets life. My pet has a bad hip. He needed surgery so I had the surgery done. I placed the claim the claim was denied. They said it was a pre-existing condition because when I got the insurance I did not have it for 14 days and I placed a claim to have the surgery done. I waited over a year. He just had the surgery done. I replaced the Claim again. They denied my claim. I am very disappointed with this company and I would not recommend this insurance company. Also, I had talked to a customer representative over a year ago and they told me even if it was considered pre-existing, they would pay for it if I had the insurance for over so many months.

These people are scammers. Do not give them your money.

Spot just takes your money and does not cover anything. Avoid, avoid, avoid. We will be canceling this week as nothing was covered for our pup's ear infection after paying the monthly premium for more than a year. Corrupt as hell.