I was happy with this insurance, but at the end of last year they raised my premiums by about $150..I think this is excessive as I have been a member for over 5 or 6 years..That is excessive!!!!!!!!There is no reason for that!!!!!

PLEASE DO NOT GET THIS INSURANCE! I have paid thousands in premiums for a very healthy 10 year old dog. They have only approved and reimbursed me a TOTAL OF $120! They have denied everything, even claimed her allergy shots and dental cleanings as "pre-existing", even though I have had my coverage with them for over 5 years, and her allergies just started a year ago. I also had wellness coverage with a $100 dental benefit. They denied this because she had plaque on her teeth, so they categorized it as an illness and not wellness. Isn't this why they get dental cleanings? To clean the plaque off? Absolutely ridiculous. They lured me in because of their affiliation with The Dodo, but they take complete advantage of people. They are a shameful company. I am so disappointed I wasted so much money with them before coming to my senses. From one pet lover to another, please, please, do not make the same mistake I did and give this company your money. Your pet would be much better served elsewhere.

Never, never, ever would I recommend Spot for pet insurance. I was really on the fence about continuing my pet insurance after year one. So I called and talked to a representative and decided to cancel, but I was also a heavy user of the Spot app to check my bill date, coverage etc. Long story short I decided to cancel by phone in December, but in January I went on the app and renewed my policy. I even chose different coverage amounts and had a brand new premium. I was thinking this is great and convenient! However, in February I received a notice that I was dropped. No reminder leading up to that date, just your policy is over. That shouldn’t have been the case anyway since I renewed in the app with plenty of time left in my policy. Obviously I called to see what happened. My only response after talking to multiple people at Spot was, “Sorry the app doesn’t count you have to call back.” The representative should have told you this.” I was blown away. I was thinking to myself are they talking about those disclosures like “this call is being recording for quality training purposes.” I was blown away. What is the point of the app if you can’t actually use it and the app is not honored. Who has time to make a call sometimes? Also, how dumb of a company policy when you could continue to receive payments from a customer for an entire year. These insurance policies are not like car insurance that you can cancel or change at any time. You are locked in for a year. What is the real kicker is that after dropping me, anything that I had previously put in as a claim for my dog is now considered a pre-existing condition. Spot utilizes deceptive business practices and is just shady in their dealings. If you care about your pet, don’t even consider Spot! Updated 02-19-2025 after response from Spot and absolutely nothing changed. Don’t be fooled!

I had a policy for 3 of my pets for 2 and a half years, when I submitted my first claim, they listed the illness as a preexisting condition and deny my claim. I strongly recommend anyone review the experience their customers have with claims before signing up

The company is good, pays claims in a timely manner. It's the App that's frustrating. Extremely slow to process anything, causing me to give it up for the day. And the user interface could use an upgrade.

Our premium went up more than $60 a month to $213 a month even though we had no claims last year and I’ve only had one in the two years we’ve had the policy. I was told it was because bet expenses have skyrocketed and our golden retriever turned 9 and they are prone to certain diseases.

I added my work for a discount but it did not add to the plan

I loved Embrace until I received the premium increase. It doubled to 3100 for both dogs. I spoke to them and she made suggestions but could not tell me if I made changes if I would get my money back. One of our dogs did not have any claims. The other had about 5 but nothing expensive (ear infection/cough). I went to use the app as she suggested and the error message came up Oops something is wrong. I agree app there is.

The representatives were nice but the company is a ripe off. They don’t cover anything and is a waste of money. I would just put $50 in a savings account each month to use for vet appointments and that better use of your money then never having the insurance cover the amount.

When we first signed up, our plan included coverage for my dog to get neutered. We waited until he was one. Finally completed the neutering, submitted the receipts, and our coverage miraculously changed to “it’s doesn’t cover neutering”. I’m very mad, very disappointed. Faithfully paid for our plan to take best care of my dog, and for nothing. YOU HAVE COVERED NOTHING!