1
out of 5
POSTED: | BY: Tanner Smith
Avoid Spot insurance for any type of injury based coverage
Last year after my pup experienced an injury, I decided to get some pet insurance to help cushion the financial burden if a worse accident happened. Had minor claims 2 or 3 times, but then she injured her rear right leg, damaging her ACL, which required surgery if she were to be able to function normally and be able to play. She's only 3, and I can't imagine not letting her have the ability to run and play as she likes, but the surgery was over $5K. Planned to pay regardless, but thought the insurance could help cushion the cost, the whole point as to why I purchased it. We had previously sent over records from our primary vet, who had taken an x-ray the year prior, and said she MAY have hip dysplasia, so because of that SPOT denied the claim entirely. We went to a specialist for the surgery and got more X-rays, and the specialty vet confirmed she did NOT have hip dysplasia, we submitted the documents, and the claim was denied again. The customer service rep provided me with the appeals email, which over the last 3 months, I have emailed several times, and have not received a single response. I confirmed I had the email correct, and still nothing. They don't appear to have any intent of responding or even providing a show of considering an appeal.
It seems that this agency is another predatory company in an unregulated industry. Avoid at all costs. Better off paying on your own and saving the monthly fee.