My pet was a member of spot insurance for 2 years. Here is my experience: my cat had a vomit for 4 days, at the vet clinic they did X Ray, blood test, didn’t find any diseases like diabetes or stone in kidney, told me to monitor her state and charged me with $1065 💰. Pyshka had an accident coverage only and blood tests, scans or CT are included in the accident coverage. The SPOT insurance reimbursement was $18.0 as they thought Pyshka had gastrointestinal problems, but she didn’t 😡. My cat choked with a hairball and it was coming out after day 4. So, I’m not longer a member of this insurance 🤯 I am pretty sure that choking with a hairball is NOT PREEXISTING CONDITION

This company is very misleading with exam day offers. Customer service was poor when I reached out to figure out why my claim was denied. How can something that has never been diagnosed, be pre existing?

I signed up for Spot Pet Insurance believing it would provide financial protection for my Persian cat, Cyrus, in case of accidents or illnesses. However, my experience has been nothing short of frustrating, misleading, and an absolute waste of money. 1. Denied Coverage for an Accident Cyrus accidentally ingested a vitamin D capsule during the grace period, resulting in an ER visit ($190) and a follow-up visit to a new vet ($368.56). I was explicitly told by Spot Pet Insurance that as long as the accident/illness did not reoccur within 180 days, it would be covered. Surprise! When I submitted the claims, they were denied. When I called for clarification, a rep told me I needed to take him back to the vet after December 25, 2024 (180 days later) and refile a claim ONLY with a new receipt—none of the previous expenses would be covered. That is NOT what I was originally told. 2. Denied a Legitimate Claim for No Reason I also submitted a $170 claim from September 4, 2024 for an unrelated visit—this was AFTER the grace period ended, while my pet was covered. Spot denied it because Cyrus had diarrhea in June before my policy started and claimed it was a pre-existing condition. What?! Diarrhea is an acute, common issue in pets, NOT a chronic condition. Spot Pet Insurance is clearly finding loopholes to deny coverage for anything and everything. If a pet ever has an upset stomach in its lifetime, does that mean Spot will never cover GI issues again? This logic is completely absurd. 3. A Complete Waste of Money I have paid over $400 in premiums, and was only reeimbursed $15 for pink eye illness. Spot Pet Insurance is essentially worthless—what’s the point of having pet insurance if they refuse to cover even basic claims? Their lack of transparency and deceptive denial tactics are shady and unethical. Final Verdict Do yourself a favor and STAY AWAY from Spot Pet Insurance. Their policies are misleading, their customer service gives contradictory information, and they will find any excuse to deny your claim. Beware before signing up – you are better off saving your money than trusting Spot Pet Insurance!

not able to enter multiple pets at same time. and no discounts for multiple pets

Too many emails that do not reference other emails Fetch has sent; the links to download information often did not work and I had to sign in multiple times to try to access what I needed.

We have turned in a claim to this company they have conveniently denied our claim. But nobody can tell us why and they tell me there’s no one to speak with about the denial if there was a lower score I would give it to them

Its alright.

I just cancelled my insurance policy for both my pets. I have had coverage for almost three years and they just denied my very first claim after weeks of back-and-forth, citing supposed evidence of my cat's pre-existing condition. He has a NEW diagnosis of hyperthyroidism as evidenced by vomiting, weight loss and abnormal thyroid function studies. I could appeal this decision with more back and forth, but no thank you. I estimate that I've spent over $3500 in premiums over the past 2.5 years, money that I could have saved and put directly towards my vet care. This is what I'll do now, starting today. Live and learn. Don't waste your money. Better to save the money yourself for your pets' needs.

I had a claim recently, 3 times sent for a refund but no response yet 3 weeks passed.

Trupanion was great for the first year. I payed 40 dollars for my pup with a 500 deductible and 90% coverage. My favorite thing about them is they don’t increase cost for animals as they age (or so they say) only for inflation/vet cost increase. As soon as my first year with them finished the price went from 40 to 50 dollars (25% up) just like that. When reaching out to them they said it was due to inflation, I’d like to point out inflation for 2024 was 2.9%. If they follow this pattern, by four years my policy will have doubled. This insurance looks good from the start but they will be increasing your premiums drastically so be prepared for that.