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!!!

Paid into ASPCA pet insurance for 10 months for four cats to the tune of $2,500+ with virtually no claims other than a few preventative reimbursements, and when I actually did have a claim, for a congenital issue with one of my new kittens - literally added him to my policy and took him to the vet that day, he was diagnosed that day and I submitted a claim a few months later for his first round of treatment- they refused to cover the defect. Because he was born with this, and because he was seen before the waiting period had expired, they will not cover it. Had I known that even though ASPCA advertises 0 waiting periods everywhere, apparently the advertisements don't apply in my state, I would've gone with another insurance that does not have waiting periods, or I would've signed up for AKC insurance where they will cover pre-existing conditions after 365 days. Now I'm in a pickle, 7 months into my kittens coverage with this insurance, which could've been 7 months with AKC who would cover this congenital issue, or I could've worked with another insurance to get him coverage for this issue at the beginning. It's kind of a shame how they handled this situation. ASPCA doesn't care about your animals unless they can make money off of them.

I pay $125 per month, they covered $50 of the vet bill for well visit and did not cover the bortella vaccine. This is a requirement for dog boarding. I think this has become a very greedy company. I am afraid if there is a larger problem and they will over much less than expected. Disappointing company.

I have been with this company since the 90's. My recent experience has been nothing short of a horror show. I have had a small mixed breed since 2013. Accidentally, my vet sent a document stating my dog was a bulldog, and my monthly payments went from $186 to $486. It is now 3 weeks later, seven emails from my vet stating their clerical error, 5 customer service agents at Healthy Paws (useless), two customer service liaisons at Healthy Paws (broken promises), and my monthly payment is still $486. Tomorrow, I will make my eleventh phone call to a Healthy Paws useless agent, telling my entire story again because this company doesn't allow you to speak to the same person and I probably will get nowhere. There is no one I can call to fix this problem. After my 15-year-old dog passes, I will never go back to this company. There are plenty of dog insurances out there.

I was issued reimbursement for my puppy on December 30,2024. I was told check was mailed out on January 3, 2025. Told to wait 7 to 10 business days which I did. No check. Called and was told to give it until the 17th of January but still no check. Called again and was told to give it until the 20 of January. Still no check. Called on the 21 of January and was issued a new check and now they have went from a check arriving in 7 to 10 days to saying it will be up to 20 business days for me to receive my check. I have direct deposit but yet they say they can’t put it in direct deposit because I didn’t sign up for direct deposited when I first did the claim. There is no way that it takes a check this long to arrive to anybody. This place is not reliable and I would advise people not to use this insurance for your pet cause you will not get your money back in a timely manner and they will feed you with false information about your reimbursement. This is my first and last time using this company and I have opted out of this service. Will not ever be using Spot again.

If you have ample time to debate with these people and call in on every claim, resubmit every detail multiple times and waste hours or your life, it’s right for you.

It's been 4 months, and there has been no payment of the claims submitted. All paperwork from the vet's office was submitted 3 separate times. They denied the claim, without notifying me, and stated when I reached out 3 times that they needed further documents PRIOR to the claim. I explained, repeatedly, that there are NO other records since she was a rescue from a family getting rid of the kitten. She has no other paperwork, and she was flown in from another state to save her. They said they'd note that and that would be fine.

This is an overpriced, worthless service with no value. In order to get meds I need to pay an extra fee or they don’t get here for 2 weeks. I can’t order prescription food even though I was told I could. There is not a phone number to give the alleyvet or Petrx to purchase the food and nextguard. I basically paid $80 for a worthless subscription and another $80 for ear drops. This service is horrible and I regret signing up. I’m now editing this as I was given a “free portrait of my dog” when I entered the code, it says this code has reached it usage limit. Wish I could screenshot.

Hard to determine what is covered and what is not. When you decline something at least send a email explaining why I shouldn't have to call.

Total scam.