I work for a very large health insurance company (for humans) and I can tell you if we operated like this the OIC would make like a dog’s rectal thermometer and get right up our butts. I will be contacting Wisconsin’s to see if they handle pet insurance issues. Our dog had a visit for some symptoms that seemed like allergy symptoms, but their persistence led the vet and us to believe there was something else going on, leading to a soft palette resection (in short, the soft palette had overgrown and was causing an esophageal blockage and sinus cavity blockage). Figo denied everything flat out stating that the allergies were a pre-existing condition…despite the fact that this ended up having nothing to do with allergies. I’ve filed an appeal and was told I’ll hear back within 90 days. He’s back today for more diagnostics because he continues to have underlying issues and I fully expect them to deny even though the underlying issues are clearly not allergy related. I should note that our other, older dog is also insured with them and has never had a claim. Obviously I’ll be cancelling these worthless policies.

Just like other insurance companies... ASPCA barely covers anything. Preventative care is a waste of money as well. They give you pennies for vaccines and don't even cover the total cost of exams. The monthly premium isn't worth it. Better to just save that money and put it towards the future vet bills.

I am extremely disappointed in Fetch Pet Insurance. One of the main reasons I chose Fetch was its coverage for integrative treatments like acupuncture and physical therapy. However, when I finally needed to use that coverage, they found a loophole to deny my claim.

This service is absolutely useless unless you are spending wasteful money on actual live visits to vets that cant seem to fix the issues. I don't see the point. The industry overall is useless. Humans have obviously caused all the issues related to our pets and their obnoxious medication resistant yeast problems. As such the industry is woefully negligent in finding ways to eliminate this issue. When vets call you from this service they should show up with knowledge about the rules in your state. I find it to be lazy and low level professionalism.

This pet insurance is a complete RIP off, two dogs and paying over $120 a month for even the premium care and all of that, just to get back $25 on over $600 of a bill.

We used to have Nationwide for pet insurance until they stopped offering it. With Spot we pay over $100 a month. We have our deductible paid fir year and 90% that they are supposed to pay. Dog had teeth cleaning done with a few extractions. Bill was around $900. We are only getting $150 back from Spot. Looking at coverage they should have paid ALOT more! Funny this us exactly the same amount we got for a $350 bill three weeks prior for blood work. Im getting a feeling Spot is a scam and they lie to get your money. DO NOT USE SPOT!

I have the wellness and illness and accident coverage. Of a wellness examine and some vacs it was 170$. Ok was reimbursed like we $54. Seems low. I think my dog has zero vet visits this year as well. Maybe one.

Awful! I have been paying on this insurance for 7 years and they wanted me to pay the deductible for vet visit just under $500 cost. Just ridiculous! Better off starting a saving fund for your pet’s vet visit then paying into pet insurance! Total scam! Total joke!

None

Definitely not worth continuing.