Reps of this company (Fetch Inc / Fetch Pet Insurance) were on premises at an animal shelter and people adopting an animals (including me) were required to speak with a Fetch rep about pet health insurance prior to completing the adoption process (making payment for the animal). The Fetch rep verbally told me the pet health insurance policy was "no-risk because the first month would be free". Any subsequent month premiums would be a set amount which I was quoted verbally by a rep using rather high-pressure sales tactics, imo, and at a vulnerable moment when I was trying to pay attention to the newly adopted puppy I was literally holding in my arms. The policy coverages, endorsements, and policy number were not ever provided to me in writing — even tho the Fetch rep took my payment information at time of adoption. Two days later a debit amount appeared on my bank statement for more than the monthly premium amount quoted to me by the Fetch rep on adoption day (and per bank statement, Fetch also set this up as a monthly autopay — I never approved the debit amount charged nor recurring pre-authorized monthly premium payments.) I tried ro contact Fetch Inc to cancel any policy existing (after receiving a letter via USPS that implied I had a policy, but no policy number appeared on the letter nor did any contact info for Fetch Inc customer service). There are no direct ways (that I could find) on the Fetch website that allowed me to contact or to speak directly with an agent or customer service rep (calls during business hours M-F were directed to an answering service) to resolve these issues. Message I left with the answering service was never returned by anyone at Fetch Inc.. The shelter outtake process was rushed, chaotic, shoulder-to-shoulder (new owners and their pets). The shelter invoice listed 'Fetch Inc.' as a line item and $0.00 payment for that line item. I took that to mean I had declined coverage. In hindsight, a non-profit shelter partnering so closely (insurance reps on premises that are required as part of outtake process) with a for-profit insurance company seems suspect on the face of it. Of course, by then I had already selected a puppy. btw, this shelter also does not even allow potential adopters to enter the shelter prior to filling out a form — seems this hides from public view that an insurance company is on premises and is part of the outtake process required by the shelter. I will be reviewing and identifying the animal shelter in a separate review. Cannot recommend this pet insurance company.

It is going on my 2nd month and they say they reimbursed me but didn't. They also are taking alot longer on older claims than new ones that they aren't even reimbursing when they say they did. I don't understand when they have all the appropriate paper work. I think they want you to make more premium payments before they actually pay you. Just my thought lol. Not facts. They need to speed up the process because that is very inconvenient. If I would have known I would not have signed up. Im going to give a little longer though and see

This company stalked this review and attempted to get my personal information. I say dont like what u see, be better. Dont silence your victims. The pettiness of a billion dollar company. And they edit their reply daily lol. This is spot pet insurance. I find that this spot pet insurance company will chase down negative reviews and then accuse whatever company including trustpilot of defamation if they keep honest negative reviews, even though it's completely legit and even if u remind them of 1st amendment rights. This company failed to process completely legitimate claims on a brand new puppy and then jerked me around and refused to speak to me. I had to get the BBB involved. They were extremely difficult and dishonest.

A puppy cannot have a preexisting condition. It's a puppy. We literally got our puppy at 8 weeks old and got insurance a month later. It's a healthy little puppy. Moreover, "diarrhea" is not a preexisting condition. It's a "symptom" and it's "caused" from different conditions!! I guess "bleeding" is a preexisting condition too. The good reviews of SPOT must be fake. Sort by one star and do your research there. Every claim you have will be denied.

I will be filing a complaint with the BBB, we have been a customer for about 10 years, with no lapse of coverage or ever exceeding what we have paid. Embrace has increased our premium over 100% to almost $500 a month. When I called them they said it happens to everyone. My dogs have been somewhat healthy, we have been loyal and they increase our premium to bully us out of our already minimal coverage. This company is sad, when you need your coverage they will take advantage of you. Word of advice don’t give them money, put what you would pay monthly aside and hope you don’t exceed that.

This company discourages claims. Does not pay claims. They want six months of records from your veterinarian even when your pet is not yet six months old! How do you manage that? My veterinarians are busy enough without Figo bothering them, for goodness sake!

My 5 year old staffy was dying of lymphoma, I put in a claim for all the test he needed, it took them a month to stop asking me for the same documents over and over, then my dog died, they denied my claim saying i didnt have that coverage, when I promise you, I did have it

They are really quick to let you know they have reviewed your claim. but then you wait and wait for the check to arrive.

Too many things considered prexsisting conditions.

My pet had cataract eye surgery in which they paid based on my policy. The next year they raised my deductible and lowed my reimbursement rate, but didn’t change my annual coverage.( I was surprised they kept my annual coverage at the rate I had originally selected) All these changes were due to my pet eye surgery. He had cataracts in both eyes. It’s like they penalized me for his surgery. They informed me that I can never have a lower deductible or a higher reimbursement rate as long as I with their company. This year they are raising my quarterly rate from $56.92 to $72.99. I had No payouts this period, but my quarterly payment increased by $16.07. I was informed by a letter. I’m in the process of changing from this insurance company-FETCH. All I can say, Don’t have major surgery for your pet, YOU WILL definitely be penalize for this!!!!