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!!!!!

I had always been happy with my Nationwide Pet Insurance and recommended them to everyone, until now. Insurance saved me quite a bit of money in the past with both my dogs, however, they don't save you nearly as much as they used to, and I'm not sure the cost of the policy is worth the amount they reimburse for. I'm sure everyone has noticed a significant increase in veterinary expenses; diagnostics like X-rays, ultrasounds, and medications have gone up in price substantially in the last five years, as well as the cost of insurance, yet the coverage the insurance provides is the same as it was back in 2018 when I first got my pets insurance policy. My insurance has gone up $100.00 per month in the last two years, but the amount they reimburse for everything has remained the exact same amount. I find that to be a bit insane. I guess it's to be expected when it comes to insurance companies, but it's hard to justify spending over $2500 per year on pet insurance, which now only covers about half the amount of the vet bills. I'm still left paying thousands, on top of the thousands I'm paying for coverage. If my dog weren't a senior at this point, I'd be shopping for a new insurance company, but I definitely won't be referring people anymore. I would think that at least some sort of benefits increase would be warranted at this point.

There is absolutely no reason to use this service. They can’t provide and subscribe medications beyond 14 days and there’s conflicting information about whether they can even prescribe them at all. They don’t tell you upfront when you join that if you do want to have a consultation about medication’s for your pet that there’s a $30 fee. They say that they have 24 seven service but when there’s an issue, it takes at least one to two business days to get a response business days meaning so over the weekend it’s gonna be more like 3 to 4 days. You cannot speak to a live person. You’re welcome to speak to a bot. This has been a total waste of time 100% frustrating there is no point in using this company whatsoever. My recommendation is runaway find something that actually is worthwhile

Lemonade refused to honor their policy regarding neutering. They claim it's covered in my policy, but refused to re-imburse me for neutering costs. Fought with them for weeks. I canceled my Lemonade policy.

A ton of hidden fees, and it takes forever to get the medicine your pet needs. I signed up thinking it would be faster and cheaper. That was completely false. Would NOT recommend!

Just another scammy insurance.

Would provide 0 stars if possible. All claims submitted have been denied in full without explanation despite my policy documents stating that visits would be covered, at least in part. Customer service is abysmal. Will not recommend and have had to find and purchase a policy elsewhere in addition to the one I supposedly have here. Run don't walk from this scam. They are happy to take your money, but have provided absolutely no benefits, to my pet or my family. Simply wasted my funds and caused additional stress from the extra time and frustration allocated to trying to contact a person to provide assistance or information at every step, even with simple requests like updating my pets name upon bringing him home from the breeder when first incorporated to our family. Save yourself the frustration and your premium and just find a reputable policy or pay out of pocket to your vet as required.

I had an appointment today at 7:50. I was waiting in the zoom room. The vet never came on, and charged me a no-show fee. I was interested in their price matching “promise”. You have to 1. Already have an appointment and PAY for the full price and 2 submit ridiculous amounts of documentation that MAY get them to “refund the difference”. Note that it does NOT say that on the online pharmacy before you pay for a subscription. Such scammers.

Response to claim was quick, but I had to submit twice due to prepayment for one test. I understand the service was not yet rendered, but I wouldn't have paid if I did not intend to drop off the sample. Why make me submit twice... the amount was paid.