I believe the turnaround time for reviewing a claim is fast. However, the reimbursement isn't that great. I'm considering just putting my money into a savings account. Seems much better. I pay over $175 a month in 12 months that is roughly $2,100.00 a year. My recent vet bill was $435 for his senior wellness exam. I was only reimbursed $175. Doesn't pay my credit card down at all. That's why I think it would be better for me to just put my monthly payment into a savings account. Then use that money to pay my vet bill. That will keep my credit card bill down.

I had Bivvy previously and think it is unfair that all my pet’s allergies that were covered under Bivvy are now considered preexisting conditions under Spot. In addition, for as much as I spend on Sage’s insurance, I feel that I should be fully reimbursed for all charges associated with his annual wellness exam.

Took my dog to the vet and did a claim they sent it too the vet they had to cancel that check and still waiting for the check I called them and their stating that they have too reissued me another check

False and deceptive transactional messaging. Will promise you a check in 5-7/10 business days but then will tell you to wait 30 days! They Have absolutely no issues taking out your money but every issue giving it back. I switched to spot from lemonade because it was cheaper now I see why. Worst mistake I have ever made!

For what I paid out, didn’t get much back.

I changed insurnce companies from Hartville to Spot thinking I was going to save money. I'm not due to the coverage that isn't there. I am thinking seriouly of going back to Hartville due to just a few more dollars I can get better coverage.

Filed claim and didn’t get an option for direct deposit so have to wait a week for them to mail a physical check.

Never received my checks. Both total about a thousand dollars. I have proof from my bank that I did not receive the checks and they told me sorry the checks were cashed. Definitely don’t trust their service.

These guys claim to have great reviews. So I signed up two of my pets, then found I could get a better rate with my old carrier. Thing is, once you add a pet policy, THEY DON'T LET YOU CANCEL IT!!! No clear options on my account page, and NOTHING in the FAQs about it. Meanwhile, they got my money and I guess I'm not getting it back. Shady!!!!!

You have to pay out of pocket first (full amount) and you’ll only get 1/4 $ back. What’s the point? $840/ year and you’ll be lucky to even get $250 back.