deney every claim

Poor customer service and don’t reimburse for a lot of things.

Title says it all. The service needs improvement. I submitted 3 claims the same day. 1 was taken care of, but the other 2 haven't been touched. I try and chat in, they just reply with scripted language "were sorry, claims can take up to 25days to process"... blah blah blah.. YET when Pests Best wants their money, they will get rite on it and collect it promptly.. Why shouldn't the customer receive the same prompt service? Oh, I know why, they don't want to pay out money, they only want to receive it.. figures this is why insurance companies get a bad reputation. Sneaky tactics..

I like the policy but I dislike that it takes forever to settle my claims.

Terrible. They deny your claim without an explanation. Unacceptable!

After five years of paying monthly, rising rates, I mdee one claim and they stalled, made excuses, asked for more and more and more documents. They search for a reason not to pay and wait you out, hoping you quit making payments and then you are no longer a customer. Only the "happy" customer (suckers) are left. Avoid this company.

I am SO disappointed at how much premiums have increased. It feels like a complete bait and switch. Beginning November 1, I will be spending nearly $5500 per year and that's WITH a deductible. Insane! I began my same policy in 2022 and I was paying $1750 per year on premiums. Beginning November 1, I will be paying $5500 - that's with a decrease of a measley $50 in deductible. I can no longer afford these payments. Have no choice but to discontinue my policy with MetLife.

I regret going with Spot Insurance and paying upfront for a year. So far they have denied my claims, saying that it's a pre-existing condition. However, my cat was never treated for any of the issues before and the things he was treated for are in no way related to the claims I submitted. They make it impossible to get in touch with customer service to dispute a claim. Can't email or chat online - can only call. However, each time I tried to call I sat on hold for over 30 minutes before giving up. Do not go with this company. There has to be better options out there.

Since we began in July, there has been constant confusion, declined claims because of missing paperwork or additional paperwork required. The claim details are muddled together making it impossible to understand or know what has been received and acknowledged and what hasn't. We have been working on our first claim for over 100 days already and we are still not fully resolved. The process is a client nightmare and since Customer Service is separate from claims, every time we talk or submit something its another 3-5 business days to find out something else is wrong. While the CS agents are trying to help, they really can't when the claim agent isn't present to help. Communication back was poor, nothing was clear as to what was missing, its impossible to reconcile the invoices back to the claim# and condition categories. I didn't make any progress at all until we asked to have a supervisor intervene. James has been the saving grace so far. But when your pet has an illness, all this is the last thing you want to have to deal with.

ASPCA is a terrible pet insurance company. My pet was injured in an accident and both of her back legs stopped working. I had the accident insurance and they claimed that even though the injury was caused by an accident, it was not covered because she is a french bulldog. I went through multiple rounds of calls with them and they did not budge. Ended up cancelling with them. DO NOT RECOMMEND