I purchase a plan including a puppy prevention package that was to pay out a set amount for certain things. Example: $25 for dewormer $50 for a puppy wellness exam $25 for a bordetella shot etc. Twice I submitted receipts showing my puppy was given a dewormer and Spot Insurance did not reimburse me the $25. Dates are December 12,2024 and January 3,2025.

Fetch Insurance has the worst customer service I’ve ever experienced. After dealing with them, we decided to switch to Embrace Pet Insurance, which was not only more affordable but also offered a far better experience.

1. It is frustrating to use your chat system as it was not getting me anyware. Due to circumstances with regard to using my debit card, I wish to make payments via e-checks which is more secure; and

Fetch denied medical coverage due to lack of documentation requirement that is found on one sentence of a 36-page claim document. Even though my pet had no pre-existing medical conditions - Fetch denied the claim and was delinquent in providing updates about their review process claiming several 'truths' such as claim documentation takes up to a week to upload and it takes several days to review, etc.

While ASPCA has created a very sleek and user-friendly interface for submitting and tracking a claim, I have found a NUMBER of deficiencies in their up front information and back-end service. While having a rep answer the phone quickly and having access to a kind veterinary nurse on the end of a telehealth line are all very helpful as a consumer - I was pretty floored to find that neutering and spaying aren't covered under their basic preventative care plan...the hard way. If you hope to be reimbursed for this VERY COMMON procedure, you MUST select their PRIME care package, in order to have any reimbursement for those costs. Since ASPCA did a poor job of making this information clear up front, I'm hoping this review saves someone else the trouble I've gone through. You have to read through all of the itemized treatments/procedures to see that it's not covered, which wasn't apparent, nor that there was even an upgraded insurance package available.

Dental cleaning is supposed to be covered with our plan up to $100. Our dog usually gets dental cleaning every 3 years because that's when medically necessary as deemed by our vet. He did have to get an extraction due to chewing on something he was supposed to have, causing a fracture. While he was under anesthesia, they suggested to do the dental cleaning even though the tartar wasn't too bad. It saved us from putting him under anesthesia again (and he's older) later this year to undergo the cleaning. They wouldn't cover the cleaning becuase they said there was tartar mentioned in his notes 6 months ago. They only cover cleaning when there's nothing wrong with the teeth - no one will put their dog under anesthesia for a dental cleaning if there is nothing to clean. That is the only way they will cover it. Trying to get away with whatever they can to not cover something that clearly should be covered. Should be ashamed of themselves.

We recently switched to Spot Pet Insurance from a different insurance logo owned by the same company - Independence Pet Holdings - because Spot offered an affordable monthly premium for our middle-aged beagle. All of Spot's customer service initially seemed warm and inviting. Turns out they are just as heartless as you would expect from any private equity-owned insurance company who is just looking to make money off of careful pet owners. Just like many other pet insurers do, Spot Pet Insurance promptly denied our first claim we submitted as a pre-existing condition, but in this case, we have been paying premiums for years to Hartville, which is literally part of the same company that reports to the same CEO and has the same insurance underwriter - Independence Pet Holdings. So even though this company has been paid by us for years, and even though we have no diagnosis for our dog yet, Spot promptly wrote us off as having a pre-existing condition without further ado. Truly so frustrating when you are just trying to do the right thing and seek insurance for your family member. We are now canceling our policy and going the route of a savings account for pet costs.

I purchased my pet insurance in good faith. Submitted a claim that said I would receive my reimbursement within 5 days. It’s been over two weeks. I asked about it and was told they needed a medical history. All I took my pet in for was vaccinations that were needed. No medical history of illness just needed his shots to protect him. Still never received payment…

Beware they raise their rates 23% on your 2nd year with them. I was at $85 for the first year, then they automatically renewed at $105. No letter, no warning, no claims filed!

They need to show next appointments available before you pay. We paid to find out there weren't any appointments for two days. Tried to cancel right away and requested a refund, which they refused to do. It feels kind of like a scam at that point. Their website makes it seem as if you can talk to a vet right away. Went to a competitor and got medication to my front door before they could even honor an appointment.