Spot insurance is a fraud! Totally a waste of money! Processing time, even if you include all the correct documents takes up to 10 business days! They try not to pay for things that you are covered by and you have to fight with them about it and threaten to sue. I DO NOT RECOMMEND THIS INSURANCE.

Don’t waste your time or jeopardize your pet. They sent my Dog’s prescription to the wrong address THREE months in a row. They believe that Gabepentin and Trazadone are the answers for EVERYTHING and if they don’t work, then they’ll just tell you to increase the dosage. When you tell them that your fur baby had a bad reaction they say, “that’s strange. Could you upload a video?” but guess what?? The site won’t allow the video to upload. They almost REFUSE to prescribe anything that their Pharmacy doesn’t carry (the ingredients their Pharmacy uses is SUPER suspect) but if you can manage to get them to prescribe something that you know works for your fur baby because he’s been your fur baby for 11 years, they’ll tell you that CHEWY will fill it but guess what?? Chewy has decided not to work with them! In the beginning it seemed like they TRULY CARED, now they are one THOUSAND percent about the money. Any ETHICAL Vet would prescribe what is right for your pet, not only what is carried by their own Pharmacy.

Terrible insurance carrier.

Beware! I paid then cancelled in a lotted time (like immediately) and requested stop payment but they went a head and took 2 months out. Called them and nothing was resolved.

I was told there was no paperwork or vet exam needed and have requested the transcript of that call, and I have not received any response to my 3 emails. As a result of bad information from the Fetch representative telling me no vet exam or paperwork was needed, and that wasn’t the whole truth I being told no, believing didn’t get paperwork done because I was told there was no paperwork, and now I have a claim, and now the representative tells me I did need paperwork and a specific exam and specific paperwork to be done and my dogs very costly diagnostics and needed surgery costs are denied and not approved. I’m disgusted by this.

Terrible customer service and trying to rig me on reimbursement

Never used this service and was charged $99. Company is refusing to give a refund.

I paid for the the top of the line coverage and you guys barely cover anything lemonade is sooooo much better

Signed up yesterday and gave credit card. I have tried all day to contact customer service via text, email, phone. No response except an automated, we’ll get back to you in 4 hours! I wanted to correct something in my pet’s profile but Edit will not allow.

I have been a Spot Pet Insurance client for about 13 months. My Premium for both my dogs together was 116/ month. When it came time for renewal, the charged me 151/month, over a 30 % increase. When I asked about his increase they informed me that it was due to the age of my dogs and because of the Vetinarian rates in my area. My oldest dog is 11 years old, so a 1 year increase in age should not translate into a 30% increase in premiums, nor do I beleive that Vetinarian rates increased by 30% in my area. Therefore, I consider this a "bait and switch" tactic. As a result, I cancelled my Spot Pet Insurance and will look elsewhere.