You pay monthly for your pet insurance with the expecations that when they fall ill, you have coverage. I did not realize that there was a max annual amount. I am a little upset and disappointed that one of my dogs will not have any reimbursement for his surgery in 2 wks. You also do not have the ablitlity to upgrade your insurance without a penalty. The penalty is... you dog has to be symptom free for 180 days. My dog cannot wait that long.

Don't waste your money. I got the highest amount of coverage possible supposed to get 90% reimbursement but on a bill for $150 I got $10. back and 2 out of 4 claims have been denied one for $364 saying not eligible for reimbursement. They will find a reason to deny your claim every time. so don't waste your money

Trying to jump thru hoops to get the advertized $25.00 Amazon gift card. Two agents told me to call Amazon!!! What a rip off! Still no gift card!

Haven't received any reimbursement in the mail and I have been in contact with their support line and still haven't received any on my end.

I used to give them 5 stars but now they are awful to deal with. I have submitted 4 claims for a new puppy I adopted and they require “soap” notes, doctors notes, I submit them and they deny. I bought the gold plan that covers preventative care as well as accident and illness. Everything should be covered. I am going to cancel and switch to lemonade. This used to be a great company.

you are taking wa too long tp process claims and mail payments, 2 -3 weeks is in appropriatete

Disappointing Experience – Slow Claims Processing but Fast Premium Increases

Prompt response, but it asked for prior info and documents that were not part of the initial claim requirements.

I am shocked at one of your commercials, it starts out with a young girl and a word bleeped out. Shame on Spot ins. I was looking for insurance for my cat but will look elsewhere. Is this how you want your company to be known for. Cursing and bleeping? You know I am but one person, and one person means nothing to a company like you. But will all my hopes and prayers, I hope I will not be just one person. Shame.

I've made about 6 calls, 4 in one day. They covered my claim and then said it was processed on their end on 3/10, it's 3/18 and the payment is nowhere to be found. At first they said call if it's not there in 3 days, now all the sudden it's 7-10 days. They just keep telling me that it's "approved and paid out" on their end, but they can't even tell me the full account number they sent it to. I've been back and forth with them and the bank for DAYS, the bank has ZERO record and it was never direct deposited. I had to escalate it to a manager on the 6th call because they just kept saying it looked like it was paid in their system and wouldn't give me any answers besides "call your bank". Finally they agreed to put a trace on the payment and said it would likely take a full day to go through and they'd call me with the info. 2 days later, no phone call and no info. Cancelling as soon as they pay me.