We have turned in a claim to this company they have conveniently denied our claim. But nobody can tell us why and they tell me there’s no one to speak with about the denial if there was a lower score I would give it to them

It says on their website that they can pay the veterinarian at checkout for services. I called my veterinarian to verify this and they said it wasn't true. I would have to pay up front for anything at time of services and submit the claim to Trupanion to reimburse me. After I signed up I also noticed there is a 5 day waiting period for reimbursement for emergency visits and a 30 day waiting period for reimbursement for any illness! Not okay to false advertise.

Its alright.

I signed up for Spot Pet Insurance believing it would provide financial protection for my Persian cat, Cyrus, in case of accidents or illnesses. However, my experience has been nothing short of frustrating, misleading, and an absolute waste of money. 1. Denied Coverage for an Accident Cyrus accidentally ingested a vitamin D capsule during the grace period, resulting in an ER visit ($190) and a follow-up visit to a new vet ($368.56). I was explicitly told by Spot Pet Insurance that as long as the accident/illness did not reoccur within 180 days, it would be covered. Surprise! When I submitted the claims, they were denied. When I called for clarification, a rep told me I needed to take him back to the vet after December 25, 2024 (180 days later) and refile a claim ONLY with a new receipt—none of the previous expenses would be covered. That is NOT what I was originally told. 2. Denied a Legitimate Claim for No Reason I also submitted a $170 claim from September 4, 2024 for an unrelated visit—this was AFTER the grace period ended, while my pet was covered. Spot denied it because Cyrus had diarrhea in June before my policy started and claimed it was a pre-existing condition. What?! Diarrhea is an acute, common issue in pets, NOT a chronic condition. Spot Pet Insurance is clearly finding loopholes to deny coverage for anything and everything. If a pet ever has an upset stomach in its lifetime, does that mean Spot will never cover GI issues again? This logic is completely absurd. 3. A Complete Waste of Money I have paid over $400 in premiums, and was only reeimbursed $15 for pink eye illness. Spot Pet Insurance is essentially worthless—what’s the point of having pet insurance if they refuse to cover even basic claims? Their lack of transparency and deceptive denial tactics are shady and unethical. Final Verdict Do yourself a favor and STAY AWAY from Spot Pet Insurance. Their policies are misleading, their customer service gives contradictory information, and they will find any excuse to deny your claim. Beware before signing up – you are better off saving your money than trusting Spot Pet Insurance!

My pet was a member of spot insurance for 2 years. Here is my experience: my cat had a vomit for 4 days, at the vet clinic they did X Ray, blood test, didn’t find any diseases like diabetes or stone in kidney, told me to monitor her state and charged me with $1065 💰. Pyshka had an accident coverage only and blood tests, scans or CT are included in the accident coverage. The SPOT insurance reimbursement was $18.0 as they thought Pyshka had gastrointestinal problems, but she didn’t 😡. My cat choked with a hairball and it was coming out after day 4. So, I’m not longer a member of this insurance 🤯 I am pretty sure that choking with a hairball is NOT PREEXISTING CONDITION

Upon discussion with Embrace Customer Service I must change my review response below because the wonderful gentleman I spoke with who deserves a raise because he really is a fantastic person and employee, explained that my claims haven’t been reimbursed because I already hot my $250.00 quota. Which leads me to reflect on just how much of a benefit it is to pay for the extra coverage. ???

Denied a $5000 tooth extraction under their Every Tooth Covered policy because a past vet exam listed "scant tartar" as an observation. Fetch considers this to be "indicative of pre-existing periodontal disease". My vet writing a letter that this is an absurd take did not help. On top of that, their customer service is horrible. Their email responses are extremely dismissive if not completely AI generated. On the phone the representatives are friendly and polite but are not at all imbued with the power to solve problems in any meaningful way. Go with Trupanion. I did my research and they were my other option but I made the wrong choice.

I just cancelled my insurance policy for both my pets. I have had coverage for almost three years and they just denied my very first claim after weeks of back-and-forth, citing supposed evidence of my cat's pre-existing condition. He has a NEW diagnosis of hyperthyroidism as evidenced by vomiting, weight loss and abnormal thyroid function studies. I could appeal this decision with more back and forth, but no thank you. I estimate that I've spent over $3500 in premiums over the past 2.5 years, money that I could have saved and put directly towards my vet care. This is what I'll do now, starting today. Live and learn. Don't waste your money. Better to save the money yourself for your pets' needs.

I had a claim recently, 3 times sent for a refund but no response yet 3 weeks passed.

This insurance is a scam. We signed up within a couple days of adopting our two new kittens. They tell you to take them in for a wellness exam within a week or two after you adopt. We did that. This exam was, of course, within the waiting period. Fine, we paid for it out of pocket and didn't submit anything. One of the kittens had started having diarrhea so they did a fecal test just in case it wasn't just the stress of the move and food changes. It came back negative and our vet said to just give it a little time. Everything else checked out well with both cats--happy and healthy. Then a month later diarrhea is back and bad so we go back to see why. They do a PCR fecal test and some bloodwork. But because diarrhea was mentioned in her first appointment, now they consider it a pre-existing condition and cannot be covered. Imagine that, a kitten with diarrhea, as if that is rare. Now I have paid over $1,000 out of pocket and none of it is covered, or even goes even toward my deductible. I have to pay for insurance that doesn't cover anything that might be in any way tied to GI or diarrhea for another 6 months before they "might" not consider it a pre-existing condition anymore.