Horrible customer service after filed a claim for ear infection. They requested pets records from Vet. Sent them. Claim denied for pets vet records same as had been sent. This happened 3 more times with me going to vets office last time with claims dept. on speaker phone with vet office clerk. Denied again. This time because of said it was pre existing. Pet had a allergy rash on leg in the past! My recommendation with Spot is Stay Away! Swithed to them from insuror to add another pet. Big mistake! You get what you pay for. I would think they spend most of their internal money on researching how to connect any past illness to being pre-existing to save them money. Of course I have canceled. Never Spot again.

Paid the quarterly cost for fetch. Sent in documents for treatment received within two years. Emails confirm documents received. Submitted a claim. Refused for not getting the documentation which has been sent.Unhappy with Fetch.

I signed up on June 20th and they told me my coverage did not start till July 1st. The date my puppy needed the vet was June 24th. They didn't cover over 600 dollars of bills for my puppy's deworming and tick medication. Bogus service run by a typical insurance company.

A great deal of difficulty logging in. I tried several times before I was able to successfully log in. Secondly, this form doesn't allow for submission of a claim "Exam/Consultation Well Patient" (as my vet called it) or routine shots.

I called for help on an issue and was told I'd receive a call back the next day. That was a week ago and I'm still waiting.

They don’t cover online appointments or prescriptions!

First time use of the Embrace claim system. This is an absolutely bad claim submission system. On Safari, the boxes for which to add info are small, the letters are tiny, etc. Having to provide the diagnostics yourself, and not leaving to the vet is annoying, and just creates an opportunity for your claim to be rejected if your description and the vet's don't match. My experience with HealthyPaws was much more seamless. Just upload the invoice and you are done.

I just signed up today. There was a monthly fee quoted, which I am fine with. However, when I submitted my first payment, there was an additional $15 "enrollment fee" added. I didn't see anything on the website that indicated that there was going to be an additional fee charged. If this fee had been clearly listed, I wouldn't have had an issue. But tacking on an additional fee is dishonest. FIGO refused to credit this fee back to me. I'm considering canceling my enrollment, since I no longer have confidence in FIGO's honesty.

Consistently receiving error messages that "something went wrong" even though if I log out and log in again, sometimes 3-4 times, it works. this has been happening every time I try to submit a claim for the past 2 months.

For the premium paid, I feel that esp for my older dog, the 2000 USD limit barely covers his ongoing medical expenses.