Spot Pet Insurance has a 14 day waiting period between the time you purchase the insurance and when you can actually use it. If this was mentioned up front I would NOT have signed up. Since my pet had an appointment in the waiting period it's going to be considered a "pre-existing" condition. I would have to wait 180 days to see if it would even be covered because of this. Pardon my French but this is completely BS. They thankfully will be refunding me my initial payment for signing up but now I'm out $360 for a rule that they were not transparent about. New pet owners, DO NOT GET SPOT!

I brought my dog in for a routine spay / neuter procedure. Bill was $1000 and the insurance paid $20. Don’t see how that’s not a covered service?

I would rather pay more in premiums than have an annual deductible of 500 per year. Now, I am stuck with ur company and can't move my pet because whatever was done with u is now preexisting conditions for the other companies. I will see only 190 dollars back from a bill that was almost 900 dollars. Unfortunate and unbelievable

they ask for a reason for the claim but only give you some choices, none of which resemble the reason for the claim. They simply don't let you say what happened. This is done so they can say that a condition exists which it was just an injury.

Website and app are difficult to use (very slow response times and glitchy user interface). Not sure the insurance is really worth the money for routine and minor vet bills, but it provides some sense of peace of mind in the event something really awful happens.

My dog ingested a foreign object from the trash, which caused him to vomit. Initially, he vomited a corn cob. Unfortunately, vomiting continued weekly, and the vet ultimately diagnosed him with pancreatitis. Treatment is ongoing, and we may need to perform X-rays. Pet Best Insurance deemed this incident not an accident and denied coverage. This highlights their tendency to find excuses to avoid paying claims. I strongly advise against purchasing insurance from them.

This pet insurance company has deliberately misleading language in their online sign up process relating to waiting periods. They state that you may not file claims for any condition treated during the waiting period. This would mean claims would be denied if they took place during this period. I found out today that in reality any condition DISCOVERED during the waiting period will not only not be covered for the visit, but will also be logged a pre-existing condition for future denials, even though it occured after the start of the plan. Now with a 180 day term for a consideration of not being pre-existing, our dog has a monthly preventative prescription that will NEVER be covered because Spot relates to that keyword in her diagnosis. Furthermore I am now permanently stuck paying out of pocket with no insurance coverage since at this point these are now all 'pre-existing'. Absolutely heartless scam artists

After taking a full day to get quotes and read reviews we settled on Embrace for our insurance needs. Seven short months and zero claims later we received a "friendly reminder" letter that our premiums were nearly doubling! Obviously we canceled but what caught my attention was when the agent asked me "well is there a middle ground here"? I said "So are you offering to lower the price now that I have called"? I said, "The only way a price goes up like this is if it is a "bait and switch" or poor business management and we want neither." BEWARE

Find a way to increase your premium each year and say they can decrease it if you decrease your coverage. Only filed one claim in the last year and I paid them more than they paid me. Emailed with complaint and Jeff/ Jess were of no assistance. They blamed it on state wide increase and inflation… but if it’s inflation then my coverage should also increase to ensure I can cover potential costs at a vet if needed. Just a money hungry company. Spending an extra $200 for same plan as previous year and no pet health changes. Also for claim submission on the app it’s all robot auto replies not a human.

If I could leave NO stars I would!! NO transparency-- they denied my claim because my 18 month old did not have a full dental cleaning on file... she had a BOAS procedure after a consultation with a specialist (she's a Frenchie) but they considered it a pre-existing condition because she was treated for a upper respiratory infection a year ago. This company is a racket and will find ANY loop hole to NOT pay your claim!!!