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.

"You can change your policy and premium by making adjustments to your deductible, reimbursement percentage, policy limit, supplemental benefits at any time, and routine care coverage (at policy renewal)." That statement is not true nor does it direct policyholders to review a specific section of the policy dealing with changes to insurance at renewal. In truth, policyholders can only downgrade supplemental coverage -- it cannot be added back into a policy once removed and that includes take-home meds. REALLY, REALLY BIG DEAL. The statement I copied and pasted directly from PetsBest's FAQs on their website led me to cancel supplemental coverage for my dog in last year's renewal as I thought I would be able to reinstate them the next year if necessary. No. Once removed, you cannot add supplemental coverage as confirmed with PetsBest today. That is a big deal. My dog now has Cushings and I will very likely have to put him down because I can't afford $200/month in medication. PetsBest is misleading their policyholders by putting statements like that on their FAQs with no direction to review particular sections of the policy. It should either be very clear that you cannot add coverage like that back in or it should not be in the FAQs to begin with. It is, in my opinion, an intentionally misleading and very harmful statement.

They don’t cover online appointments or prescriptions!

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 takes to long to get refunds. The price jump each year is way to much

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.

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.

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!!!!!

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.

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.