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Bait and switch
We have been with Figo for years now. Last year or so they changed underwriters which was a disaster, the changing of policies and getting everything right again especially with medical records was a nightmare. We got a very significant increases in what the policies for our 3 cats cost as well as that less was covered, we went from 80% to 70% just to keep costs a bit manageable. Come today we find out that dental coverage was apparently significantly cut. They only cover dental surgery if it was too fix something caused by an accident, we were never told that this has changed so surprise, we are going to be in the hook for 3.000 dollars worth of surgery because our poor cat's teeth are rotting in his mouth. FYI, we didn't know they had gotten that bad, our TNR cat isn't exactly thrilled about us examining his mouth. Thanks, Figo, thanks a lot for screwing us over. I hope your company and your new underwriters choke on the profits they are making. You should be ashamed.
Insurer: Figo
By: Mark Kweens
I was sent a link to review insurance…
I was sent a link to review insurance that I just purchased the 10 days or so ago and have not used it. Can not give it a rating
Insurer: ASPCA
By: Gene
I hope customer service improves
Wanted to pay year in full. No option for that. Was charged $2 installment fee when I finally got through on phone (a LONG wait.) I requested a receipt for the transaction, still waiting for that. No info on my account for what I paid.
Insurer: ASPCA
By: Lisa Day
Best pet insurance around!
Healthy Paws has an app that lets you take a snapshot of the medical bill and submit. It is a very uncomplicated process and the claim is turned around quickly. One time I didn’t provide enough information and Healthy Paws contacted my vets office without bothering me. They also follow-up to see how your pet is doing.
Insurer: Healthy Paws
By: Rhona
Review
Had a good experience with them. Their great.
Insurer: ASPCA
By: Juan Curbelo
Applying easy and all information was…
Applying easy and all information was explained
Insurer: ASPCA
By: Andres Ramirez
Quick to Judge, Yet Just as Quick to Set Things Right
I have had Embrace only a few short months and really put them through their paces with lots of questions before I signed up, all of which were answered both timely and completely by their representative responding over email. That gave me confidence that they were a company that put their insured pups, so on, first. However, following my pup’s initial exam our vet disclosed to Embrace the discovery of a typical (e.g. associated with pups) mass on the top of her head, a histiocytoma, which they explained would exclude her from being covered for all cancers in the future. I was aghast at that prospect and was on the verge of dropping Embrace totally. Until they let me know and then allowed our vet to write an appeal letter for the mass to explain further that in her opinion it was not cancer when she first evaluated it and would not turn into cancer in the future and, in fact, four weeks later it had resolved itself completely. Approximately one week later Embrace came back with some modification on future masses where they would no longer treat/equate future histiocytomas with masses later identified as cancer So while our pups’ future histiocytomas would be treated as pre-existing, they would no longer exclude any future masses, cancerous or otherwise, from being covered by our policy. To be sure this was a relief. So, a mixed score for my relationship with Embrace so far that is, as they were quick to judge the type of skin mass they would not cover in the future (somehow equating it with cancer, where there had been no such proof of this at all), yet just as quick to take up my appeal and grant some relief, modification of our coverage and a detailed explanation of how and why to accompany their decision back to me. So, take from that what you will but know it is better to have some kind of pet insurance, for sure, than none.
Insurer: Embrace
By: Brian
Just got the insurance so no opinion…
Just got the insurance so no opinion yet. Was easy to get it on line.
Insurer: ASPCA
By: Cordelia Hilyard
I am so happy to have this service and…
I am so happy to have this service and kind patient people to talk to
Insurer: ASPCA
By: chanel urso
Excellent attention, rapid turn around
I have used Healthy Paws for three different illnesses involving my dog. Their app is user friendly, simply taking a snapshot of the documentation and submitting. Payment turn-around is just a few days. There is even follow-up to make sure your pet is doing well.
Insurer: Healthy Paws
By: Rhona Ferguson