I feel the policies are too expensive. Instead of giving you all 160 dollars a month I should have put those monies in a bank account since most things you claim are pre existing. After one year of coverage, I submit a claim for $206.00 and I find out I have a $500 deductible. Secondly, I tried to call and was on hold for 20 minutes prior to disconnecting. Lastly, after going thru the website to submit the claim it kicked me out and make me complete it all over again. Horrible experience, I will be discontinuing coverage with you all, with more thought about all the exclusions you have on my two pets makes sense to just save the monies and put in an acct.

My dog has been covered with nation wide for 8 years. They got rid of a lot of pet plans currently and this last year. If your dog has preexisting conditions before they are 9 years old, you are screwed if you have nation wide. If you want your dog be covered for a life time do not go with Nation wide. Now, I have my dog's preexisting conditions that will never be covered because of Nation wide kicking us out of their plan. Nationwide will betray you when the dog gets old.

Absolutely the worst Pet Insurance Company! Filed a WELLNESS Claim and they denied it even though it was covered. I have sent in the Invoices 19 times and they say they can't read them, but I sent the same invoices to other people and they are just fine. SPOT PET INSURANCE IS A SCAM! DO NOT USE!

My dog recently had an issue with an abscessed tooth, which she is still being treated for. The company has repeatedly denied insurance claims, citing a pre-existing condition, because the vet records show she had plaque on her teeth and gum disease signs in the past. The vet has confirmed these are not related and information has been repeatedly provided to Spot, yet they are still refusing to reimburse the claims. There will be other claims coming as well as she is still under treatment that I'm sure will be denied as well.

SCAM. If you don’t get insurance when your dog is born, everything will be considered a preexisting condition.

We paid for premium coverage and they only paid $150 of a $980 bill for getting our dog neutered. My understanding was this procedure was %100 covered. Do not use this provider, they take over 60 days to pay out often with no exploration of the payout. Use embrace instead

Sometimes have to submit claims twice or call customer service to get a claim paid.

What I find disturbing is my pup got insurance with fetch my pup was 8 weeks old and was told it will be $150 a month my sister also signed up and her play was $56 I called and was told it is because of her postal code we live 10 minutes away from each other so that makes absolutely no sense. So today a payment was due and they tried to take twice the amount that was her plan price. I will be canceling Maizie’s policy tomorrow along with my sister as she said the same thing. My vet said it is better to just save the money and if we don’t use it then we won’t be wasting money. Smart vet

After a year my dog had an accident and we went to the ER. This is the first time I learned that I have a 10% copay on all claims and also that no exams are covered. Both in the intro video and online materials these 2 points were not made clear. In addition, before I signed up, I talked to a representative and asked about hidden costs. I knew that there would be no coverage for wellness exams or vaccines. I am fine with that. I was not told about either of these 2 loopholes before I purchased the insurance. When I called, the representative was very nice but told me that it was all in my contract. The one that is 20 pages long and unreadable by anyone other than a lawyer. Forgive my cynicism. This feels a little underhanded. It should be laid out up front and easily accessible to any consumer trying to do due diligence. I had to pay out hundreds more than I expected for this visit. Disappointed.

I'm disappointed that my pet insurance keeps going up. I thought that once I had a policy, I was locked in. Because we've had some claims, my insurance has increased to the point where it's not worth it. I'm disappointed I wasted the last 4 years paying for it. I feel it's a scam.