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.

I took my new kitten in for her first vet visit. The wellness claim was denied as well ass her bloodwork for feline check up. The claim reviewer would not accept the detailed explaination sent in by our vet clinic. A wellness exam was covered for the dog but not for my 3 cats. I am not impressed with this insurance.

Hundreds of emails and texts in the first month ..all trying to sell me more coverage. STOP I hate unsolicited messages

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.

When I originally purchased pet insurance, my puppy was a year old. I was paying $45 a month. When my company offered pet insurance as a benefit, I moved to their plan at $70 per month, but at 90% reimbursement. My puppy, now 12, was diagnosed with IMHA which is a blood disease and has been through the ringer with this disease. I received notice before renewal this year - which I never paid attention to... the fine print because I didn't think it would be this drastic of a decline in insurance, that the reimbursement percentage is going from 90% to 50% so Nationwide can continue to provide pet insurance for others. My monthly premium is NOT going down. It is now at $190 per month and has been this high for several years being with Nationwide.

Choose a different pet insurance provider, Fetch will quickly find every way to deny a claim as a pre existing condition and not pay your claim. After many years as a customer with Pet Secure we transferred over to Fetch for our 5 year old dog because they advertise that they cover comprehensive dental and we knew he would eventually need his first dental cleaning. Our dog had a a routine dental cleaning months after we signed up with Fetch, our dog had to have some teeth extracted based on X-rays taken during the procedure, they denied the claim with 24 hours because they said that we hadn’t provided medical records for the 6 months prior to being a customer. We then uploaded an additional record for the standard vet appointment our dog had prior to the dental appointment, they then said the reassessment of the claim could take up to 30 days (even though the initial claim took 24 hours) during which they continued to take their $100 premium. They came back with a secondary denial of the claim stating that the teeth that were extracted were due to periodontal disease as a pre existing condition because the vet noted one broken tooth in his initial standard appointment, there was no way of noting which teeth (if any at all needed to be removed) until X-rays were taken during the actual procedure, we assumed we were just having a standard dental cleaning for our dog. We have since followed up with Fetch to discuss the second claim denial and no one has responded. We have since terminated our policy, it’s been a disappointing experience from start to end.

DELAY, DENY! They have denied every claim. They just denied my 7 year old dog treatment for eating rat bait because "she had a history of eating things she was not supposed to." We never put in a claim for her eating anything before but did tell the vet when she ate a rock as a puppy (as many do) and, we called when she ate a piece of chocolate once, as any dog would do. Bait is scented to attract animals - that's why it's called BAIT. I've given Trupanion 9K over 7 years (they do raise the price our premium went from $44 to $110 a month) and they refuse to cover ANYTHING so far. They took 2 weeks searching her medical records and their contract to find ways to deny claims the claim. Sounds like United Health Care's "Delay and Deny" motto.. despicable. Don't waste your money on this company, just put the money into an account every month instead or you'll never see it again. I have canceled but am left feeling scammed. I do not recommend to any dog owners out there.

I submitted 3 claims and only one has been processed. Not sure what is going on. Also submitting Chiropractic exams and services, seem complicate.

claim form had repeated error messages that necessitated restarting claims

Telling your customers that their dog would not be covered for any pre-existing conditions is a horrible business model and makes no sense. Why would someone get pet insurance if the insurance is not gonna cover what they need the insurance for?