The reimbursement schedule is too low. It needs revision to raise the % higher

Nothing went wrong, I just needed help with my first use of the system to receive reimbursement for vet visit.

They deserve a zero. They have not paid any of claims. My vet and I sent them all the notes and info they requested then they claim they were unsuccessful obtaining them!! They are full of it! This place is a scam! You pay them premiums but when it's time for them to pay, they find any false excuses to deny your claim. Avoid doing business with this place. I will be canceling and go somewhere else.

I paid 149 to 191 dollars a month for insurance never had a claim than my dog need surgery for this throat the bill was 6,661 l thought that l would get 70% of the bill and you paid me 3,000 telling me i reached my limit. The amount of money I paid for insurance you should have covered the 70%, I will never tell anyone to get your insurance you are a rid off oh I almost forgot I was told l could not file a claim for 1 years but still pay the monthly premium bye bye

After submitting the full records 3x the claim was denied and no part of the visit was accepted towards our deductible. The reason states unable to obtain records. When I reached out to let them know they were sent three times they want lab work and records for the past 2 years. Our dog was rescued 6 months ago and this visit was for bronchitis, the records submitted were the detailed records of the days visit including the x-ray report, his physical exam, and medication prescribed

Spot Pet Insurence is a scam. They will not pay for the cost seeing with the vet which you already paid out of pocket. I got the plan accident and illness already 9 months and my two cats are 13 months now. Last 2 weeks ago one of my cat look hard to use litter box and he changed behavior using litter box, so i went to a vet and follow the procedures a vet need to know what happen to him. Then I called the spot customer service for how to claim a bill and she show me how to claim, but also she told me for the future before you payout you have to claim estimate bills first then after they approved i can do process. I was never heard like it before. In my case this is the cat not dog, as long as they are healthy i am not seeing the vet. After claim filled a week later spot asked for the medical record that my cats are not even born date. I called them and told them about it and to file what ever i have. Then I reclaim again with my cat very first vaccine that my breeder took, other than that i do not update any more because they are kitten and healthy. Then they said not eligible of the whole invoice of claim. I called spot and they keep asking vaccine record that i do not have. I can even understand that they do not want to pay total invoice but should be cover for some of them like seeing the vet cost or some medication. I just write about this to understand how they are handling on claiming process. They are just try to find a reasons to not pay back. Also what they sale about coverage and no worry about cost at the beginning are all lie and beware for it. What i paid 9 months insurence $114.61 for both cats doesn’t even cover a penny of first claim. I will end with them. Updated: they not pay because i don’t have wellness vaccine records for cats. What is the point for paid them for past 9 months for plan illness.

SPOT PET INSURANCE IS A SCAM! THEY LOVE TAKING MY MONTHLY PREMIUM'S BUT WHEN IT CAME TIME TO MAKE A FIRST CLAIM THEY CAME UP WITH A B.S. PRE-EXISTING CONDITIONS AND WOULD NOT COVER THE TREATMENT OF THE LARGE HEMATOMA ON MY BOYS RIGHT EAR. BEWARE!!!!!!!!!!!!!!!!!! DO NOT WASTE YOUR MONEY!!!!!!!!!! B.W. / COMMERCE TWP. MI

Response to claim was quick, but I had to submit twice due to prepayment for one test. I understand the service was not yet rendered, but I wouldn't have paid if I did not intend to drop off the sample. Why make me submit twice... the amount was paid.

I am beyond disappointed with Spot Pet Insurance. They are nothing more than a scam designed to take your money without providing the service they promise. Despite submitting all required documentation multiple times, they denied my claim with the excuse that the records were not provided—this is an outright lie. I personally submitted the paperwork multiple times, and so did my regular vet, the emergency vet, and the specialty vet. I was BCC’d on every email they sent to Spot, so I know for a fact that all the required records were submitted. Yet, Spot still denied the claim, saying they never received the records. This is completely unacceptable and unprofessional, and it proves that Spot Pet Insurance will do everything they can to avoid paying claims. They are taking advantage of pet owners during stressful and emotional times when their pets need care the most. If you are considering Spot Pet Insurance, do yourself a favor and look elsewhere. They are dishonest and will waste your time and money. I would give them zero stars if I could. Avoid Spot Pet Insurance at all costs!

Your technicians are really not great at their job nowadays. I have had to jump through so many hoops for 20$ off my heartworm test. Meanwhile we pay you hundreds of dollars and you’re going to nickel and dime your customers for 20$? The first tech couldn’t understand how annual wellness bloodwork included heartworm, so fine, I get the SOAP notes to prove there’s heartworm testing. Only for the second person to tell me I need an invoice showing payment. AS IF THAT WASN’T ALREADY SUPPLIED!! The lack of thought by your employees is quite frustrating. You charge so much and we get so little from the start. Just to have to fight tooth and nail for 20$ off our heartworm test, which by the way doesn’t even cover the entire cost of the test.