You cannot cancel unless you call and they try to keep you on the phone as long as they can for no reason. Additionally, they will deny any claim that they can and then give you fake money, towards nothing, as a consolation prize. I definitely do not recommend this company and the fact they they claim to represent USAA is horrible.

Was hard to confirm if I was approved or denied for insurance.

Spot's Gold Plan provides for coverage of several important annual vaccines. To be reimbursed, however, Spot requires 2 years of prior Vet care notes. Coverage for preventative and advertised as such should not require paperwork roadblocks and delays. It throws up serious red flags on any future acute care claims. So yes, I cancelled today.

We were Trupanion customers for 8 years and paid thousands of dollars without ever making a claim. However, when our credit card expired (as they do, after 8 years!!) and we missed a few payments they cancelled our $155 monthly plan and wanted 2.5x more ($380/mo) to reactivate it! To their credit, they did a good job trying to reach out before the cancellation, but unfortunately the email on file was also outdated. When I contacted customer service their "hands were tied" and the reps had no ability to customize my new quote to match my old payment. I would have been okay with a small rise in payment as I didn't catch the lack of payment fast enough, but a 250% increase is just insane. Buyer Beware: You can NOT set it and forget it with this company - dogs live a long time and they will cancel you and charge you an exorbitant amount if you want to continue with their services!

Claim approval was slow Funds transfer slow Coverage was good

I was told multiple times that I had exceeded my annual limit when in fact I had not. I wasted 2 hours of my time telling adjusters how to do their job. Luckily I work in the insurance industry. I was owed way more than what I received. It eventually did get fixed, after 2 hours of phone calls and 5 days later.

When I first called in and a gentleman answered, I asked them was there anyway that he could waive the $25 for the first time he told me no didn’t even explain why he was snippy and the fact that you have to spend $25 is absolutely ridiculous so I’m going to be canceling And I found another company that would wave the set up fee for me and they are a lot nicer. The only reason I was asking is because I’m fighting cancer and that alone is expensive.

If you are expecting any type of payment for heartworm medication, allergies, ear infection or just an exam, get ready to jump through hoops. Save your money and just pay out of pocket. This insurance just collects your money and wants you to fight to get a claim approved. What a scam!

We are still waiting for reimbursement for a $900 vet visit. I do not recommend this insurance company.

I finished enrolling and put my bank info and clicked purchase thinking i would purchase but the website just freezes for a sec and no pop up shows telling me it went through or i enrolled and will get an email. so i thought nothing happened and almost enrolled with Spot insurance. at least explain the process that its an application and the submit button should say "enroll" instead of "purchase"