I like that MetLife has a Wellness benefit and shared deductible. I don't like that claims are processed too slowly in the pipeline often with me having to call or email to check the status.

Pay out if I pay for 2000 of coverage I want that much coverage I’m paying out but not getting what I’m paying for I’m better off not having insurance I’m paying out more than I’m getting back

📍 Spot Pet Insurance – Kitten Plan (Advanced + Routine Care)

You people continually screw up the claims I submit. I have yet to submit a claim that doesn’t require me contacting you to get the claim properly processed. I’m still waiting on a claim from January where you have yet to pay for the valley fever test for my dog Charlie. In my most recent claim you only processed part of the claim. I submitted 5 allergy prescriptions and you only processed 3. What is wrong with you people.

They never did a home inspection and then dropped me for fire risk based entirely on the zoning. No amount of mitigation would help. They are big faceless company who employees nice people who in turn have no flexibility to navigate.

I don't recommend this insurance. They cover absolutely nothing. Let's do the math here. I paid vet 442.24. I got the insurance with 80 percent reimbursement. I also added dental and wellness care. I pay $162. 71 a month to Spot insurance. They reimburse me $100. If I'm paying Spot $162 then pay vet $442.24 and got $100 back why do I need this insurance???? The one I had before them were 10 times better. The reason I switched insurance was because that insurance was for one specific veterinarian office you couldn't go anywhere else so that office would always be understaffed and didn't have availability to see my babies and had to pay other outside cost. I was extremely disappointed with this insurance. So no it's not worth paying $162 every month and my dogs aren't sick thank God I feed them fresh food but they do need shots for allergy season heart worth dental and check ups. Just in case of an accident it's smart to have insurance but not this one. The other insurance the payment was about $11 more but they paid majority of the vet bills. No question asked. Spot wanted past medical records that wasn't asked when you first apply which would been more understandable. I cancelled immediately. I went to another insurance this time I'm gonna talk to an agent before getting insurance.

Very bad use experience. The system cannot categorize my document, it cannot identify which claim use what invoice Or soap. Which requires me to upload again and again. Decision making is long and slow.

I am disappointed with the low pay out for my dogs vet bills.

Reimbursing takes along time

You have made major errors on 2 of my first 4 claims. One claim got assigned to a closed policy and one just closed and not processed by error.