SPOT PET INSURANCE IS A SCAM! THEY LOVE TAKING MY MONTHLY PREMIUM'S BUT WHEN IT CAME TIME TO MAKE A FIRST CLAIM THEY CAME UP WITH A B.S. PRE-EXISTING CONDITIONS AND WOULD NOT COVER THE TREATMENT OF THE LARGE HEMATOMA ON MY BOYS RIGHT EAR.

Your technicians are really not great at their job nowadays. I have had to jump through so many hoops for 20$ off my heartworm test. Meanwhile we pay you hundreds of dollars and you’re going to nickel and dime your customers for 20$? The first tech couldn’t understand how annual wellness bloodwork included heartworm, so fine, I get the SOAP notes to prove there’s heartworm testing. Only for the second person to tell me I need an invoice showing payment. AS IF THAT WASN’T ALREADY SUPPLIED!! The lack of thought by your employees is quite frustrating. You charge so much and we get so little from the start. Just to have to fight tooth and nail for 20$ off our heartworm test, which by the way doesn’t even cover the entire cost of the test.

Would provide 0 stars if possible. All claims submitted have been denied in full without explanation despite my policy documents stating that visits would be covered, at least in part. Customer service is abysmal. Will not recommend and have had to find and purchase a policy elsewhere in addition to the one I supposedly have here. Run don't walk from this scam. They are happy to take your money, but have provided absolutely no benefits, to my pet or my family. Simply wasted my funds and caused additional stress from the extra time and frustration allocated to trying to contact a person to provide assistance or information at every step, even with simple requests like updating my pets name upon bringing him home from the breeder when first incorporated to our family. Save yourself the frustration and your premium and just find a reputable policy or pay out of pocket to your vet as required.

After purchasing Lemonade Pet Insurance for my dog, I quickly discovered serious limitations in their coverage. Following the waiting period, I took my dog for a checkup and honestly reported she had experienced occasional episodes of vomiting during the previous month. The vet concluded it was likely GERD, and we went on our way with a recommendation of OTC Omeprazole once daily with food.

Response to claim was quick, but I had to submit twice due to prepayment for one test. I understand the service was not yet rendered, but I wouldn't have paid if I did not intend to drop off the sample. Why make me submit twice... the amount was paid.

This company has the worst customer service. I have been running in circles trying to get more information on why my pet’s claim was declined. Each email and phone call they give me the same general answer of “it was a pre-existing condition” but when I ask how this is determined and show proof that it was not a pre-existing condition they cannot give me any information. They will deem everything pre-existing so they do not reimburse anything. Customer service is all run by bots so it is extremely difficult to talk to a real person.

There is absolutely no reason to use this service. They can’t provide and subscribe medications beyond 14 days and there’s conflicting information about whether they can even prescribe them at all. They don’t tell you upfront when you join that if you do want to have a consultation about medication’s for your pet that there’s a $30 fee. They say that they have 24 seven service but when there’s an issue, it takes at least one to two business days to get a response business days meaning so over the weekend it’s gonna be more like 3 to 4 days. You cannot speak to a live person. You’re welcome to speak to a bot. This has been a total waste of time 100% frustrating there is no point in using this company whatsoever. My recommendation is runaway find something that actually is worthwhile

I had always been happy with my Nationwide Pet Insurance and recommended them to everyone, until now. Insurance saved me quite a bit of money in the past with both my dogs, however, they don't save you nearly as much as they used to, and I'm not sure the cost of the policy is worth the amount they reimburse for. I'm sure everyone has noticed a significant increase in veterinary expenses; diagnostics like X-rays, ultrasounds, and medications have gone up in price substantially in the last five years, as well as the cost of insurance, yet the coverage the insurance provides is the same as it was back in 2018 when I first got my pets insurance policy. My insurance has gone up $100.00 per month in the last two years, but the amount they reimburse for everything has remained the exact same amount. I find that to be a bit insane. I guess it's to be expected when it comes to insurance companies, but it's hard to justify spending over $2500 per year on pet insurance, which now only covers about half the amount of the vet bills. I'm still left paying thousands, on top of the thousands I'm paying for coverage. If my dog weren't a senior at this point, I'd be shopping for a new insurance company, but I definitely won't be referring people anymore. I would think that at least some sort of benefits increase would be warranted at this point.

Have not been remembered!!!!

Cancelled my renters insurance without any form of warning due to an expired credit card. I updated the credit card and asked to continue to which they replied I needed to fill in an entirely new application. Literally no heads up at all just cancelled reapply. No human could take my messages after several attempts. Gave up. Was with them for 5 years and then bc their service was so poor looked at alternatives and realized they have been overcharging me as well. Won't consider going back. Garbage product, garbage service, price is a rip off.