Horrible customer service. You weren't able to get my pets vet records themselves even though it says you can do that. But whatever ok fine, I call my vet and have him send everything over. Then I get another email from you saying that the records aren't complete and you need more. I call my vet again and have him resend everything and also cc me in the email. Everything is there. I reply to you, "that's everything, we literally don't have more records." no reply for a week. My partner calls you and the person we spoke to insists on needing more records. There. Aren't. Any. I finally get another email back from you too, saying again that you need more records?!??!! I'm like how many godforsaken times do I need to tell you there literally are not more records!! Finally it seems like you bufoons get it, and start processing the claim. Miserable and stressful experience and a waste of my time and money.

They try their best not to pay claims if you have cancelled your policy even though the claim was submitted prior to cancellation.

I bought insurance for my dog. Had two appointments the first was $650 of which they reimbursed $150 the second two weeks later for $1005 and they refused to reimburse me because they said it was not within the waiting period! This is ridiculous!!!! Poor customer service lies and they don’t care at all !!

Absolute worst customer service, when they can’t help/ don’t know the answer they just hang up. Also deny claims that are explicitly covered under the contract and again just hang up to avoid accountability. Do not buy this insurance.

Why do you guys use the same excuse to all your customers not to process claims . I’ve gave you all the records, receipts, photos and still you say you havent received them. My hospital tells me you guys find excuses not to pay claims. This needs to be reported. Im going on almost two months fighting with SPOT insurance.

I’ve been a faithful costumer for 3-4 years now and I find it ridiculous I only have a 2500 annual limit for reimbursement. My dog has a 8 thousand dollar surgery and I only get 1200 for it is insane. And I cannot adjust it higher. I’m canceling once my contract is finished. You guys don’t care about pets only want money.

Everything is rejected and what you get reimbursed is not worth it.

Call me. Sent request. No answer. 8@82607397

Every thing you done for me has been great.

For the amount we're paying, seems silly to keep insurance with how much isn't covered. Preventative care is the one thing that should always be covered since if we continue to do so, the insurance companies would be paying less long term. Instead only a fraction is covered. And that's only if you're paying for the Gold or higher