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.

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.

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.

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

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

I wanna cancel and it’s to difficult

It was over the weekend and my dog had an ulcer on her eye, she had one in the past so i already new what meds i needed. I found dutch online and quickly placed an order and had my apt. When i submit my order, it said i would receive my order by the following wednesday. Wednesday came and went and i contacted dutch, they said that the site was wrong and promised my meds by saturday. Friday morning my dog had her eye removed. Saturday came and went and it is now monday (over a week later) and still no meds. I contacted dutch and requested a refund for the meds i still have not received and was told no. This is unbelievable. Do not trust that your medications will arrive on time. This company will not acccept accountability for promising medication delivery by certain days and it is not ok. Buyer Beware!

Trupanion is fine... sometimes. Over the past two years it appears they are desperately trying to not pay claims.

Trupanion was wonderful. I was a little disappointed that I still had to pay for most of the event bill even though I have the 90% plan it’s all the little hidden cost, but it was easy to use and friendly staff when I called.

They charge almost $40 a month and don’t cover a dime for any vet visit even though it should be covered. They are such a scam do not get them!