Absolutely ridiculous that I was not notified that the direct deposit bounced back and I’m still waiting for the refund check. I’ve called on this 3 times! I will likely be cancelling my policy!

On November 1st, I took my cat to Urgent Care and I had inquired about Spot insurance that day. I was informed there would be a $500 deductible and it was $50 a month, so I agreed. For the next month and a half, I was taking my cat to the vet and was communication with Spot. They told me to submit the claims and that I should be expecting payment reimbursements soon. My cat unfortunately had to be put down, and I had to close out with Spot, and they reassured me that I can continue to submit the claims for reimbursement. A month goes by and I receive nothing, so I called them. They then told me that because my cat was taken to the hospital for coughing before I signed up with Spot that they would not cover anything.

You guys even when the veterinary office send you the information don't thrust, that way I don't like people like you liars & theft who refuse to pay the coverage.

The amount covered is so small compared to the amount I have to pay for wellness care to make this part of the policy not worth it. Considering looking for a different provider or none at all if you're all like this.

Honestly paying so much money for pet insurance and not getting at least half or more reimbursement is not the best. There are other pet insurance that reimburse more. Will be switching over to a new pet insurance.

Very dissatisfied with the bill coverage. Constantly either only getting a 1/3 of the cost, or nothing at all. Cost of the insurance vs. what we get reimbursed has not been worthwhile. Cancelling very soon and moving elsewhere. Such a shame.

Spot Pet Insurance never seam to have all the medical records even though we send them repeatedly, and the service refunds are very small compared to the veterinarian costs. It's just a monthly subscription that should be canceled at this point.

Purchased, 5 years and 7onths of medical records. Claim was denied because my cat take gabbapentin when she goes to vet(gets scared) they denied due to her being perscribed this, for a rodent ulcer. Which has nothing to do w it. Theu also sent me an email statting that my insurance was rwady to process claims, then said i still had a 8 wk period to wait.

They completed my claims without waiting for everything they needed to actually reimburse me. So I called them and they said they needed the medical records. I called the vets and they stated their offices had sent all of the records the day before and the morning of my call. I wrote to Spot and told them that and they stated "We do not leave claims open indefinitely, and if we reach out to the clinic and the records are not received, the claim is closed."

Along with your rate increase, do you also plan to raise the allowable expenses for vaccines and preventative care and other items?