My experience with SpotPetSource has been horrible. Their claims and reimbursement process is unreliable, misleading, and frustrating, making it nearly impossible to trust their service.

While I appreciate the idea of insurance...I have struggled to understand what is and is NOT covered. I thought that an injury/illness would be covered up to the % we selected - not subject to the deductible - which seems to be applied to our wellness plan. It is somewhat confusing.

I recently had an emergency procedure for my dog, a few months after purchasing this insurance. The whole procedure bill was over $800, which also covered my $500 deductible. After the insurance agency reviewed my claim, all I was refunded was $50. I spend $70 a month for this insurance, and all I got back was a bill that doesn't even cover the monthly payment. Honestly, I think unless you find yourself in a situation where you need to pay over $5000, the pet insurance is not worth it. Within a year of just putting the $70 a month into a savings plan, that alone would cover this bill.

The policy changed hands to another company and is terrible now. The total monthly premium costs the same amount as the deductible. And there is a very low limit for coverage annually. I’d be paying out $1400 annually for a $2500 limit of coverage. It honestly makes more sense to just put the money in a savings account every month.

you cover nothing

The SOAP notes have been holding me up. The vet office doesnt typically share these so I have to make several additional attempts to gather everything needed to get a claim paid. I wish there was a direct line from the vet to the ins so I didnt have to ask for this each time.

I wasn’t able to complete my claim online. The person I chatted with said she would send me an online and she would send me a claim form online to fill out and then upload. Luckily, I haven’t had to have any claims, but never mentioned what I then saw after I was frustrated and got off the phone that you needed to update your password if you hadn’t been on the site this year, so all that time and $77 a month was not anybody even mentioning that could’ve been an issue I figured it out myself I’ve said this once before to this organization you’re charging $77 and change a month for 20 month old I mean a 20 pound dog And so I am fact would expect more than that in customer service

Not a great experience with these guys unfortunately. The first claim we made took 5 weeks to process. All communication was restricted to the app. Price was increased by 15% after 5 months. The PDS (Product Disclosure Statement) is not available in .pdf and only on the app. Additionally the app PDS does not share the details of the $ coverage for each aillment (i.e ticks), making it difficult to compare to alternative insurance providers. I've switched to Budget Direct who were significantly cheaper, provide a detailed PDS in .pdf via email and have both an app chat and call centre for any claims/questions.

I see I'm not the only one who had to drop insurance with Healthy Pets after many years because of rate increases. In the nine years I was with them, I only had one claim. Then the rate doubled, then tripled. When I asked why, they said it was because I live in an expensive state. I stayed with them because I thought my dog's age meant I had no better options. After the rate increased to $500 a month, I finally dropped them.

I had already got a quote and had to request a second quote which was higher than my first. In addition I have not received any new information on if it was approved or not