I’m switching to Embrace.

Waste of time and money! He recommended a dosage of insulin for my cat during our call and I asked if he will send me the dosage through email or to a pharmacy, and he said “no just call your regular vet and tell them to write the dosage”. His written recommendation was “call your vet”.

I have been trying to add my new dog with no success

They changed my coverage from 80% to 50%, increased my deductible from 300$ to 1000$ and significantly increased premium all of a sudden. Very disappointed as this is not how insurance is supposed to work.

Fetch are the most deceitful and scammiest pet insurance provider that is out there. Avoid them. They gave me a day where I would be able to submit claims and they changed the date by one day to avoid paying for my claim. They advertised one thing and then changed it by one day after the 15 day waiting period. They are liars. I have provided feedback but they really could care less. They will probably respond here and say oh please let us know what has happened. I will email them and get in contact and they will not give a darn. Stay away from Fetch they are an absolute scam.

This pet insurance company has deliberately misleading language in their online sign up process relating to waiting periods. They state that you may not file claims for any condition treated during the waiting period. This would mean claims would be denied if they took place during this period. I found out today that in reality any condition DISCOVERED during the waiting period will not only not be covered for the visit, but will also be logged a pre-existing condition for future denials, even though it occured after the start of the plan. Now with a 180 day term for a consideration of not being pre-existing, our dog has a monthly preventative prescription that will NEVER be covered because Spot relates to that keyword in her diagnosis. Furthermore I am now permanently stuck paying out of pocket with no insurance coverage since at this point these are now all 'pre-existing'. Absolutely heartless scam artists.

I want to start by giving a huge thank-you to Ariel for her incredible help with my issue. She went above and beyond to make sure everything was resolved, even when it seemed like the rest of the team had dropped the ball. Ariel took the time to listen, showed genuine empathy, and followed through when others wouldn’t.

Spot Pet Insurance has a 14 day waiting period between the time you purchase the insurance and when you can actually use it. If this was mentioned up front I would NOT have signed up. Since my pet had an appointment in the waiting period it's going to be considered a "pre-existing" condition. I would have to wait 180 days to see if it would even be covered because of this. Pardon my French but this is completely BS. They thankfully will be refunding me my initial payment for signing up but now I'm out $360 for a rule that they were not transparent about. New pet owners, DO NOT GET SPOT!

If I could leave NO stars I would!! NO transparency-- they denied my claim because my 18 month old did not have a full dental cleaning on file... she had a BOAS procedure after a consultation with a specialist (she's a Frenchie) but they considered it a pre-existing condition because she was treated for a upper respiratory infection a year ago. This company is a racket and will find ANY loop hole to NOT pay your claim!!!

Hannah was our first rep in 2020 and gave such great service we've hung in there for 5 1/2 yrs and LOVE YOUR customer SERVICE AND HANNAH Is OUR FAVORITE!