Really terrible service. They find ways to make you jump through hoops to not get compensation

Started at a reasonable price per month for my 2 cats. Every year the monthly cost went up $5-10.I have never made a claim. After around 9 years, just got a notice they are raising my premium around 300%! For no reason, when they advertised to enroll your pet at early age so you would not have these type of premium increases. Putting the money in a savings account rather than paying them any more, crazy scam.

I’ve had the same experience as other who used ManyPets and was switched over to Odie. With ManyPets I had full coverage. I was told with the switch my coverage wouldn’t change. I’ve submitted the same claims for items always approved under ManyPets only to be denied by Odie due to “my policy doesn’t cover it”. Very dissatisfied with the forced switch. It’s virtually impossible to get in contact with them to get a second review or ask why anything was denied. Definitely not staying with Odie as they pay for nothing!

My baby cat started to have seizures and was eventually diagnosed with epilepsy.

Reply from Figo Pet Insurance

Insurance company unreachable. The only way to contact them is by message, and the response time is very long, if not nonexistent. I have a leak at home and I haven't heard from them for 3 days despite my reminders. Run away from this insurance company that leaves you alone to face your problem.

I just received an explanation of benefits for a claim I submitted to Fetch Pet Insurance. My policy has a 70% reimbursement rate and $500 deductible. Rather than counting the entire amount I spent for a recent veterinary visit toward my deductible (which is how my own health insurance works), Fetch decided to only apply 70% of the visit cost toward the deductible. So--now rather than having a $500 deductible, it seems I have a deductible of $500 x 0.7 = $714. I've had my Fetch policy for several years and do not recall the company applying this approach to calculating a deductible. Something is not right here. I've also experienced astronomical increases in my monthly premium (now $325, or about $4000 per year) for a limited amount of coverage (capped at $15,000).

We paid ~$60/mo for nearly two years for our young, healthy dog with no claims. When we finally had our first minor incident - exactly what our policy was supposed to cover - Lemonade found enough loopholes in the fine print of the contract to avoid paying nearly anything for the claim. They tried to argue that the emergency evaluation was an "office visit" which wasn't covered in our policy. Using this interpretation, we'd be on the hook for $250 on every vet visit before any coverage kicked in - which is effectively a $250 deductible PER CLAIM on top of the $500 yearly deductible we already pay. In the end, they covered less than 20% of our emergency bill, on a 90% coverage policy. When we tried to appeal, they were slow to respond and unhelpful. This company is dishonest, greedy, and not worth choosing in a sea of competitors.

I was charged but never got any policy info.

they used to be good and covered all the advertised. Now they nickle and dime and are advising g a 35% rate increase. I plan to cancel soon.