Spot | Pet Insurance Review

The employees are WONDERFUL. Fulfilled my reimbursement for services quickly! So happy with this company, that I would like to work for them!

Got reimbursed on first claim and do not have to meet a criteria. Also did not raise premium when I changed the breed of dog because the original drop-down did not have my dog breed and when they did, my premium doubled.

Very straightforward interface. Submitting claims was very easy. Claims processed quickly. Overall very easy process.

pet smart insurance is a great company. they processed my claims in less than four days

As I write this review, I am still on hold. My representative on their 32nd attempt to reach a supervisor with no end in sight. Essentially, I have two cats, both were recommended dentals. One was approved, the other denied. Their reason being that one cat has "Pre-exiting conditions" My medical records clearly state (from the shelter a month before I even adopted the cat) that there were some signs of gum issues, but dental was NOT needed. Upon adoption, we took him to our vet, who also said, dental was NOT needed, but prescribed dental food to help clean the cats' teeth. Three years later, the vet finally recommended that he get a dental. So, I submit an estimate and get denied because its "pre-existing" How its pre-existing when it clearly states he does not need a dental is beyond me. I then was told I can submit an appeal via email, I requested to just be transferred to someone who processed the appeals so I can speak with them as my pet needs surgery ASAP not in 7-10 business days when they answer an email. I was told that there is no phone number. So, I requested a manager or supervisor. This began what is now 1.5-hour phone call, where they have "called their supervisor" 34 times with no response. I have been offered a call back 10-12 times and denied them all. I am doubtful that there even is a supervisor and that they are just trying to see how long I will wait. Clearly their customers are not that important to them, neither are the pets they insure. I'd like to add, this comes after denying other claims that I was told could be covered and were not. But this is the most expensive, and by far the worst customer service experience I have ever had. This company is a scam, save your money and give it to someone who actually cares. Do yourself a favor and just put the $40 a month into a savings account for when your pet really needs it.