I regret going with Spot Insurance and paying upfront for a year. So far they have denied my claims, saying that it's a pre-existing condition. However, my cat was never treated for any of the issues before and the things he was treated for are in no way related to the claims I submitted. They make it impossible to get in touch with customer service to dispute a claim. Can't email or chat online - can only call. However, each time I tried to call I sat on hold for over 30 minutes before giving up. Do not go with this company. There has to be better options out there.

Good insurance overall but constantly increasing the monthly rates. I've had them for my Belgian Malinois since he was 16 weeks old he is now three and has never had a claim The monthly cost has more than doubled since I've gotten it.

Had PetsBest for one year. Filed first claim regarding fracture tooth and my pup needed to have extraction due to infection. They raised the monthly rate and denied claim! I called and CANCELLED. They don't follow their own coverage.

I am SO disappointed at how much premiums have increased. It feels like a complete bait and switch. Beginning November 1, I will be spending nearly $5500 per year and that's WITH a deductible. Insane! I began my same policy in 2022 and I was paying $1750 per year on premiums. Beginning November 1, I will be paying $5500 - that's with a decrease of a measley $50 in deductible. I can no longer afford these payments. Have no choice but to discontinue my policy with MetLife.

Since we began in July, there has been constant confusion, declined claims because of missing paperwork or additional paperwork required. The claim details are muddled together making it impossible to understand or know what has been received and acknowledged and what hasn't. We have been working on our first claim for over 100 days already and we are still not fully resolved. The process is a client nightmare and since Customer Service is separate from claims, every time we talk or submit something its another 3-5 business days to find out something else is wrong. While the CS agents are trying to help, they really can't when the claim agent isn't present to help. Communication back was poor, nothing was clear as to what was missing, its impossible to reconcile the invoices back to the claim# and condition categories. I didn't make any progress at all until we asked to have a supervisor intervene. James has been the saving grace so far. But when your pet has an illness, all this is the last thing you want to have to deal with.

Keeps raising costs

Had them for a month they took my money and then when I submitted the bill after the dog being fixed microchips needles and everything it was a big Bill. And now they're fighting not to pay any of it they keep asking for more documents they keep asking for bills prior to even having them as an insurance I submitted the bill I submitted the stuff everything else that should be more than sufficient and I shouldn't be held up asking for more crap you have everything. Cancel the movie going with somebody that actually that can build directly and I don't have to go through this first bill and they don't want to pay a cent took my money won't give it back and won't pay nothing for the bill not a very good insurance beware of this pet insurance I have e submitted all medical records I have submitted a full detailed bill so everything has been submitted they're now asking me for bills prior to having your insurance which they have no right to ask for

Very long delays with submitted claims.

Too much time processing claims and your Premiums are unacceptable which has caused me to cancel my policy.

Terrible Company - they try to get rid of older pets by tripling the rates when the animal ages - this is after 7!years with them and no claims