I was told over a year ago that my monthly laser treatments for my old dogs arthritis would not be covered I still continue as I could see it benefit her. I come to find out it would have been covered all this time! I was also told a year ago that the lower back issue my other dog would not be covered but as a good pet parent continue out of pocket to have him also treated. I come to find out now that this too would have been covered after his issues have become chronic and needed to see a specialist. The customer service people need better education and maybe provide a list of what is covered to insurance holders. I’m upset that all the money I put out for insurance and only come to find out now that I could have put in claims all this time. It was implied to only use the insurance for emergencies. Which I have done! Makes me not happy with the company.

Spot pays quickly what you pay upfront. Deductible is half what other companies charge. But if you have to wait a full year to submit a claim, you are out of luck. So really, you are forced to go elsewhere. Other companies offer 90% not 80% and do not have a limit of claim amounts. So choose wisely, it sounds good and for no problems it is great.

Can't add wellness until a year has passed

I’ve been a policyholder for three years and took my dog to get a small lump on her right forearm And after spending $2100 at the vet, the portion of the insurance was declined because the vet didn’t have appropriate documentation on his well visit exam No money was paid in claim coverage towards the vet bill after I spent over $4000 in premiums I wasn’t offered a cent towards my dogs vet bill.

Very horrible and deceiving insurance company. They received your claims and do not process them even though they fall within their policy within a new excuse each time.

I would give -1 if I could, they tell you one thing to get you to sign up (4dogs) but when it comes time to JUST add to the co pay, not even pay you for any thing, then everything changes! had a new vet that day (that I swear must work for them) said my 3 year old very healthy boy who twisted his neck, have some sort of Orthopedic disease!!! Even after I spoke to the vet and she CORRECTED the paperwork, they were terrible! I cancelled all of my dogs insurance with them. Again, you posted “Pre existing” yet the vet herself told me she corrected that in a letter to you. So I am still very glad I canceled all 4 of my policies with you!

I appreciate the coverage and the comfort of knowing that my pet will receive optimal care if she has an emergency situation. I’m not happy about the increasing premiums, which average about $30 per year. I enrolled 3 years ago at approximately $65-$70 per month and I’ve been informed that her premium will now be $120 per month, in spite of the fact that I’ve submitted no claims.

They refused to cover my street rescue pup when he got the respiratory illness that was plaguing dogs in 2023 bc he had a documented COUGH when I first got him and during his 30 day wait period. It had been months that he had recovered from the initial cough before the respiratory illness that cost me thousands. Then January 1, 2024, he starts limping. We go through months of diagnostics and possibly treatments. I try to file all the bills but continually keep getting kicked off the app and site. Help line consistently has long wait time but I understood that I had 365 days from vet visit to file for reimbursement. WRONG! Denied, again! I can't switch to another company bc now he's got multiple pre existing conditions 😡

Absolute nightmare to deal with. They don’t read documents just instantly deny the claim then it takes 30 days to reassess then they came back and denied it again because they didn’t read the dates or notes and said it will take another 30 days to reassess! Good luck talking to a real person it’s all bots

Customer service is excellent when you are singing up, though very very poor when it comes to questions about claims, especially the ones they unfairly reject without providing reason for.