False and deceptive transactional messaging. Will promise you a check in 5-7/10 business days but then will tell you to wait 30 days! They Have absolutely no issues taking out your money but every issue giving it back. I switched to spot from lemonade because it was cheaper now I see why. Worst mistake I have ever made!

For what I paid out, didn’t get much back.

Filed claim and didn’t get an option for direct deposit so have to wait a week for them to mail a physical check.

Never received my checks. Both total about a thousand dollars. I have proof from my bank that I did not receive the checks and they told me sorry the checks were cashed. Definitely don’t trust their service.

These guys claim to have great reviews. So I signed up two of my pets, then found I could get a better rate with my old carrier. Thing is, once you add a pet policy, THEY DON'T LET YOU CANCEL IT!!!

You have to pay out of pocket first (full amount) and you’ll only get 1/4 $ back. What’s the point? $840/ year and you’ll be lucky to even get $250 back.

After spending $230 on a a yearly exam and vaccines. I would expect to get more than $100 back. This is not the first or the second time this has happened. I very seldom use the insurance and feel you should get more money for keeping your pet healthy.

Still waiting to hear back about my claims

I have an American Pocket Bully. I rescued from the Humane Society. She had issues I was unaware of. I tried every single thing I could to figure out what was wrong.

About 18 months of coverage and I'm still trying to decide if it's a good deal. I pay to cover our two dogs for their routine veterinary health maintenance and for emergency/sickness care, as well as pharmacy. So far, fortunately, all our claims were for routine preventive care. I've found the reimbursement levels to be disappointing, and the claims review process a bit opaque and sometimes not satisfactory. When our 5 year-old dog went in for routine dental exam + extractions under anaesthesia, the claim was rejected on the basis that a vet had previously indicated a finding of gingivitis, which rendered all his dental care "pre-existing condition". Of course we wouldn't have scheduled dental care based on a finding of gingivitis alone, and anyway that sort of cleaning IS part of routine dental care in a normal healthy dog. So I've come to realize they skimp on reimbursement. I haven't discontinued yet because I hope that perhaps the insurance will prove itself when there are real health emergencies that are costly to address. I'm not holding my breath.