Spot Pet InsuranceReviews of spotpet.com

I would only give 2 stars. I have always been with Nationwide with my other dog, but they had decreased their coverage last year, so I was looking for a new company. Upon researching, most places ranked SPOT very highly. I think Nationwide is still better. Even with decreased coverage, it is still much better than SPOT. They are a little more expensive up front, but in the end you get more back. Also, they don't take weeks to get your money back to you, usually only a day or two, which is a very big deal if you end up having to pay credit card rate interest on a vet bill while waiting for your refund.

I have used Spot Pet Insurance for several years and up until this most recent claim would have given them 10 stars across the board. They always processed claims so easy, quickly and I never had an issue. I would give only one star but I'm giving two because, although it gets me nowhere, it is very easy to get someone on the phone. I submitted two separate claims, one on August 15th, the other on August 19th. I attempted several times both on the app and on desktop to add the medical records requested and kept getting an error code. Instead, I emailed them - after my vet had already emailed them because the CSR with Spot had said they didn't receive them. I asked several times to get some sort of confirmation they were received so that I wasn't again going to have to wait weeks before finding out they were missing information. I was also concerned that when I clicked on my pet's profile, it showed we had been paid out on one of the claims but the claim was still in queue. When I called in the first time to address these issues, I couldn't get a clear or concise answer or even a legitimate conversation with the CSR. Just the vague, nonsense customer service script jargon - no solutions or explanations. I called in again several days later to make sure they actually received the documents because the email route was not working and again was met with scripted answers and communication but not an actual person that could have a conversation or explain anything. I was told by that person that the records didn't include the total period of time they had asked for - I explained that this was an emergent visit so my dog was taken to the animal hospital, not his regular vet so they don't have records for the time period they're asking, they only have records of this one visit and this visit ultimately ended in my dog's passing. The rep said he will notate the account and ask that the claim be re-opened because it had since been closed and that they were just waiting for me to call in and explain that was the only visit my dog had with this vet. I did not receive any notification the claim had been closed, or that they needed the question about the time period answered. When I asked if I would have even received any kind of notification that 1. my claim was closed or 2. why it was closed and that they just had a simple question - because I didn't call in for that, I only called in to ask if they had gotten the documents they keep claiming the vet hasn't sent them. I, again, just received scripted nonsense CSR jargon. Very little communication and when there is communication it's superficial scripted nonsense. I will be waiting out the rest of my policy period with my surviving pet and finding another company.

It takes FOREVER to even get reimbursed it seems like they don’t even want to reimburse you for the bill, i waited for 3 weeks just for them to tell me to take a different picture and they didn’t let me submit it to that case so I had to open a new case and submit it I’ve been waiting 2 weeks now and it’s still processing

One of the most challenging pet insurance experiences. To top it off, they were not covering at 80%… when I called to cancel I was met with a representative that tried to tell me I was wrong with what I was being reimbursed by MetLife even though I was looking at the explanation of benefits and reading off exactly what was submitted and what I was being reimbursed (90%). He was looking at their website and saying that’s not what he was seeing. What he didn’t know is that I had a special plan with MetLife that you can only get by calling in. I would not recommend others to spot and ultimately I have told my mom and her best friend about the experience, as they followed me to spot.

Spot app..is regulating or controlling few option for people to request insurance coverage by limiting claim refundbor payment

Three items were not included in my delivery. I checked the packing slip for confirmation. The tracking updates were also confusing and delayed. Honestly, not a great experience trying to resolve this issue on my own. I expected better support for my order mistakes.

More expensive if already a customer

Too long to process claims. Long wait times on hold.