On November 1st, I took my cat to Urgent Care and I had inquired about Spot insurance that day. I was informed there would be a $500 deductible and it was $50 a month, so I agreed. For the next month and a half, I was taking my cat to the vet and was communication with Spot. They told me to submit the claims and that I should be expecting payment reimbursements soon. My cat unfortunately had to be put down, and I had to close out with Spot, and they reassured me that I can continue to submit the claims for reimbursement. A month goes by and I receive nothing, so I called them. They then told me that because my cat was taken to the hospital for coughing before I signed up with Spot that they would not cover anything.
First off, I signed up the day of, not after.. second, I was not made aware of that policy and had I known, I would have been much more diligent in where I would have taken him. So instead of them doing their job, they did not communicate that part of the policy to me, took my money and I ended up with nothing.