Your medical records requirements are excessive and time consuming. My claim has been delayed due to this. I submitted what I thought was adequate medical records, (invoices for the time specified) but when I filed a claim I was told that they would not suffice. I had Nationwide for the life spans of both dogs and NEVER had to go through anything like this. I am seriously considering looking for another insurance plan for my dogs.

Noone answers the phone didn't send out a renewal until one week before deadline now my dog will have a lapse insurance. Fraudulent company don't go with them many pets is terrible too they sold out in the u.s. and sold my info to another company.

Terrible, pushing me out by raising my premium $110 per quarter and lowering my reimbursement rate. Because I made a claim, I have been with them for 7 years, my dog is 8 years old. I love my dog. but i am retired. They could not care less. Very hard to deal with.

I sent a claim two times, but no response.

They charged my account for three payments that I was behind without telling me. They also indicated that my pets were not covered then but still took out the payments without informing me. Total scam

I had trouble submitting my claim although it could be user error

The process for filing a claim was unnecessarily complicated. After filing the initial claim they requested additional documents from us which we provided. It took them over a month of back and forth calls and emails to actually acknowledge that they received the documents we sent. During which time they repeatedly denied the claim stating that they did not receive the documents (they did). After almost two months they finally denied our claim. When we called and asked why, they stated that it was an issue with one of the documents from the vet. They told us we could call and ask the vet to change the medical records in order for the claim to go through. After such a long headache of them not communicating and then suggesting that we ask a vet to change records, we decided that Spot Pet Insurance was not for us and canceled our coverage. Our overall experience was incredibly frustrating and disappointing.

Paid monthly fees for months. The moment I file a claim for my dog's vet visit, they deny the claim because he had an ear infection in the past. They will look for any reason to deny a claim.

Fetch denied coverage for my friend’s dog in an emergency situation. Then five months later, sent her a renewal bill—for her dead dog.

If I could give them zero stars I would. We were transferred customers from ManyPets insurance, a company we absolutely adored and had for well over two years. Since being transferred to Odie, it’s been over a month of constant headaches. Absolutely zero customer service responsiveness, and if you do manage to get a response by email, it’s an unhelpful automated link. Their automated email links (eg to activate account, etc) lead to error messages like “expired link token”. The only thing I managed to do was update my payment information. They then proceeded to charge me twice over for each of my pets, putting me out nearly $300. I ended up having to call my bank and dispute the claim and file it as fraudulent because I could not get a hold of anybody to correct the issue. Do NOT use this company. I ended up going with lemonade, which has amazing reviews and I’ve immediately been able to get a hold of a customer service rep to talk thru my new plan.