Customer service is efficient and very nice. However, they do not cover pre-existing conditions like allergy dermatitis. For this reason, I’ll be switching to a company that does and there are a few others that do.

I did research and thought this would be a good company to go with for my first-ever insured pet.

Your communication is wonky. You communicated to me about the wrong reimbursement and keep saying it's being reviewed when I;ve submitted multiple variations of the paperwork requested. Additionally, this reimbursement has been approved previously so why the issue now?

Customer service was great, but the actual coverage was extremely frustrating, time-consuming, and misleading.

Please - save your time and money and do not go with Spot Pet Insurance. I thought I had done my due diligence, and was so disappointed after paying for several months and submitted my first claim. I had to find out through the App that it was denied - they never sent me a letter explaining why they denied my claim. They will do whatever they can to deny your claim. There was a typo in one of my dog's veterinarian notes from one year prior to the accident, so they relied upon that to deny her claim when she injured her leg one year later. So disappointing, so disengenous. Find yourself an insurer who will do whatever they can to assist their policy holders - not scam them.

I was paying $178.47 a month for my 11 year old Aussie. This month, the "new" monthly amount is $476.95. That is a MONTHLY increase amount of $298.48. That is CRIMINAL. I confirmed when I signed up that they only go up a pro-rated amount, which depends on what their overall costs have been for the year, and adjust accordingly. This company is sickening.

Prior to picking SPOT, I had done A LOT of research. We picked this company because we felt it best fit our puppies needs and picked a plan based on past puppy experiences with accidents and illnesses, etc. I thought it was such a good plan we paid for the year in full to get the discount.

I have filed multiple complaints with the California Department of Insurance against Lemonade for repeated violations of claim-handling regulations.

This is a service that would do perhaps do well in an emergency situation - not an everyday service that supposed to helps pay for the incredibly high cost of simple vet visits. Although the app and website were claiming to simplify the process and cut the unnecessary legalese, actually I couldn't do anything independently without talking to their AI Bot to ask for help. It led to clunky service, comparable to calling my bank's service center just because I need to find out what my balance is. Why can't I find out on the website when is my coverage ending? what is the current state of my deductible?

After initially thinking I might have finally found a decent pet insurance provider in Spot, I’ve had my confidence in them shattered by one denied claim. My dog’s at‑home cancer screening flagged a moderate risk, so my vet ordered an abdominal ultrasound. Spot refused to classify the ultrasound as a covered diagnostic, even though their illness plan explicitly covers exams, diagnostics and lab tests.