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

I’ve just filed a claim for my kitty that’s been having episodes of blood in his poop again which I’ve observed to happen mostly when he gets anxious. I took him to the Vet for his wellness check and further investigation of the above issue and a stool exam was ordered. I submitted a copy of the paid invoice to Trupanion and for some reason they came up with a diagnosis of Diarrhea and I really don’t know where they got that from. Since it’s a new diagnosis as per their underwriting, I have to start paying a new deductible again. They turned a blind eye on the actual issue of Anxiety, maybe because the deductible for that condition has been met. Now they want me to file an appeal for their own mistakes. It’s the same issue everytime I file a claim. It always ends up with filing an appeal because of their mistakes. And to top it all, Trupanion is again increasing my monthly payment from $66 to $98 because they said the average cost and use of vet services in my area has increased. The insurance payments for my cat started at $37 when he was a kitten and has increased yearly for these 4years. Is it really the same for everybody else?

The reason I want to cancel my pets insurance because I don’t think Figo is suitable and helpful for our pets at all. Compare to my monthly payment your reimbursement for our vet bill is ridiculously low. I have been paying $ 123.87 per month my pets insurance which is 90% reimbursement plan for many years. For Lucy $ 47.49/ month x 1 year = 569.88 For Sima $ 76.38/ month x 1 year = 916.56 It is $1486.44 per year. What has Figo been reimbursed me back for annual check up, vaccine, medications and also illness? For annual check up and vaccination, $ 40 for each pet while the bill was around $ 200 for each. Recently Lucy had an emergency vet visit for urinary infection, the bill was $410. I filed a claim. Figo agent asked for records to check if it was preexisting condition. Figo gave me back $ 67.38. Figo reimbursement is a joke, matter of fact it’s more like a scam to me. This is a waste of time and money. I could have saved the monthly payment and paid for my pets bills without frustrating. I have learned my lesson.

The cost is low, compared to SPOT, who the majority of my pets go through. I adopted 2 dogs, and one came with Pets Best, so I figured I would try it out with both dogs. I like that I can get unlimited coverage. I like that the one dog could just have their coverage changed to me, and there's no waiting period. I like the coverage for wellness. It seems to be the most coverage available, for the most part. The thing I am currently hung up on is the claims processing. SPOT usually has me paid within a week, not business days, within 7 days total or less. Pets Best has taken a week just to process, and I am still waiting on the payment. This would be my first payment, so maybe it will take a little longer the first time. However, I submitted 2 claims for wellness for 2 dogs and one STILL had not been processed. I haven't seen anything come through asking for anything or explaining why it is taking so excruciatingly long to get a tiny wellness claim paid out. I just submitted another wellness claim for a neuter on the one dog, and an injury claim on the dog that STILL had not had their wellness claim processed and we are going on week two for the wellness claim. Unless things pick up with Pets Best, I will be switching these 2 to SPOT at the end of the year. Paying a little more for less grief would be worth it. I'm hoping they improve and it is just a fluke.

Adding pre-existing conditions that don't exist, even though multiple emails, notes, and vet notes CLEARLY never said it's pre-existing. Also, the condition is not even currently existing.

Put in for this insurance about 2 weeks ago for cat... Haven't heard back since. But they did take my money. Haven't even gotten policy in mail yet ...

So far, I'm not impressed with the coverage and likely going to cancel. Very disappointed to learn they will not honor any claims only two months after you have the service - ridiculous for what I'm paying in premiums.

It would have been nice to know that it takes up to 7 business days to underwrite and approve this, and it would have been nice to know I had to pre-pay for 2 months the day I purchased the plan

I wanted the same coverage for both of my kittens and that is not what happened. Waiting fir customer service help still.

I do NOT recomend this company if you really love your pet. I am insurance agent in California and it is normal companies increase your premium year by year, but from paying $89 a month pretend to rise to $227 a month is crazy, specially that my pet has no claims in 10 years. It is much better to get a good company that protect your pets during all their lives Also when you try to contact them they will answer in other country with a terryble accent There are a lot of good insurance on the market