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.

Really bad experience with my cat's insurance, they're gonna manipulate the information you provide them in order for them to reject your claims, they're triumph card is their "preexisting conditions". My cat vomited a few times before having her insured with lemonade and months after, with the insurance, she started having an episode with vomiting and peeing everywhere and feeling really bad, it turned out to be spleen cancer, they should've paid for the ultrasound and the surgery, but they didn't because apparently for them that time my cat vomited a few times months before all this was a preexisting condition. Using their logic, if I vomited when I was kid and then again after a night of too many drinks, I have a preexisting condition. BTW, vomiting is totally normal in cats, when she vomited a few times and took her to the vet, they just changed her diet and she stopped completely. So no, it was not a preexisting condition. Of course they will never understand that because you know how it works; the less money they pay us, the more money they keep.

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.

Don't buy insurance from Spot Insurance! They don't pay out claims even though they have received ALL information requested!! Don't take peoples money if there is more needed to even have the policy!!!!!

MetLife with preventative care only covers like 1 or 2 vaccines for a brand new kitten when in reality, the kitten needs numerous vaccines and boosters. This is ridiculous.

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.

This is the WORST company. They take your monthly payments but won't pay for anything. They don't cover anything. It's a waste of money just pay for your pets medical expenses out of pocket.

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.

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 ...

Service is great - time to process a claim takes way too long