If there were an option to receive ZERO stars I would select that option. Denies claims. Of one claim that was processed on 3/17/2025 payment has not yet been received as of 5/19/25. False advertising when it says payment received within 7-10 business days. Will be filing a formal complaint with the insurance board.

If you are shopping for pet insurance. Be aware of the age of the reviews you are looking at. I have been a Nationwide pet insurance customer for 8+ years, and was always recommending NW because they really helped me take care of my pet through the years, claims were easy, and I had peace of mind if anything ever went wrong.

I still have not received an answer from underwriting

All they do is raise premiums when you're in too deep. And, like most insurers, they love denying claims. I regret not just saving the money in an interest-bearing account. 100% not worth it.

I’ve spent enough time trying to figure out what claims I submitted were covered. From what I could see very few of my claims were covered. Trupanion‘s website needs improvement. I canceled my membership. Paying monthly and wasting money.

I am beyond disappointed with Spot Pet Insurance. They are nothing more than a scam designed to take your money without providing the service they promise. Despite submitting all required documentation multiple times, they denied my claim with the excuse that the records were not provided—this is an outright lie.

Your technicians are really not great at their job nowadays. I have had to jump through so many hoops for 20$ off my heartworm test. Meanwhile we pay you hundreds of dollars and you’re going to nickel and dime your customers for 20$? The first tech couldn’t understand how annual wellness bloodwork included heartworm, so fine, I get the SOAP notes to prove there’s heartworm testing. Only for the second person to tell me I need an invoice showing payment. AS IF THAT WASN’T ALREADY SUPPLIED!! The lack of thought by your employees is quite frustrating. You charge so much and we get so little from the start. Just to have to fight tooth and nail for 20$ off our heartworm test, which by the way doesn’t even cover the entire cost of the test.

SPOT PET INSURANCE IS A SCAM! THEY LOVE TAKING MY MONTHLY PREMIUM'S BUT WHEN IT CAME TIME TO MAKE A FIRST CLAIM THEY CAME UP WITH A B.S. PRE-EXISTING CONDITIONS AND WOULD NOT COVER THE TREATMENT OF THE LARGE HEMATOMA ON MY BOYS RIGHT EAR.

Horrible. Accepted us under insurance and then conveniently wouldn't cover claims because of “pre-existing conditions…” despite being undiagnosed for anything. It would have been nice if they told us this before we paid a large sum of money for multiple months. We recieved 0$ despite clearly meeting our deductible… and oh by the way, all the money we spent on those bills did not EVEN count for the deductible… Anyone having these issues just go to AKC as they are only pet insurance that’ll cover “pre-existing” conditions. This also applies to “pre-existing” conditions that are UNDIAGNOSED. DON’T WASTE YOUR MONEY!!!!!

Stay away from this “service” it’s more of a scam than anything. They do everything in their power not to pay and even for the most obvious issues. Delay, delay, then deny, deny. Makes United Healthcare look like a good option.