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I purchased pet insurance from Figo…
I purchased pet insurance from Figo through my Costco executive membership in September 2024. When we opened the policy, I spent several hours of my time compiling vet records for both of our dogs to make sure any future claims would be processed smoothly. Despite this time and effort. Every single claim I've filed (4 in total between the two dogs) has been followed up with an email stating that Figo doesn't have appropriate documentation to move forward. They also send an email to our vet asking for any and all of records on our dogs. I have contacted customer service on multiple occasions regarding this issue, and each time I call I get a different explanation. Initially, I was told it's just something that happens with the first 2 claims and will resolve on its own. Unfortunately, that turned out to be false. My most recent phone call I was told "that email gets sent out automatically because most people aren't on top of their pet records." I asked, "is any way to prevent this from happening in the future because all of our records are on file." I was told, "well I can put in a note in your file, so hopefully people will see it". At the end of the phone call, it was evident that there's basically nothing she could do. Chances are that for every future claim we will likely receive an insufficient records notice. Additionally, we just moved to a new home, and I called on April 21st, 2025, to update the address on file. I spoke to Destini on the phone, and she updated our address, but failed to mention that there would be a cost increase in our premium. On the morning of April 23rd, 2025, I received an email from Figo that both of our policies would be cancelled effective May 22nd, 2025, "after unsuccessful attempts to collect the premium". Our plan is on auto pay, and I confirmed on my bank statement that the payment was withdrawn on April 14th, 2025, for both dogs. I called customer service this morning and spoke with Aisha (sp?) who informed me that there was a premium increase associated with our move and that the additional amount was never charged to the card on file. Figo never even tried to process the charges despite the cancellation email stating otherwise. Aisha offered to run the card on file and remove policy cancellation notice from our account. She also stated that she would send an email confirmation of both payments for my records since we've had so many issues. Both payments went through, but no confirmation emails from Aisha and the policy cancellation notice is still on our account. Overall, I am tired of having to contact customer service frequently for issues with our account, and despite my best efforts it doesn't feel like anything gets resolved. In my opinion, this plan is too expensive to have this many issues. I'm hoping to cancel soon and would not recommend this company to others.
Insurer: Figo
By: Veronica
Great support!
Patient, clear in communication and efficient with helping with my needs!
Insurer: Fetch
By: Nicole Depalma
Spot has been amazing
Spot has been amazing. Easy to submit claims and very complete coverage plan at the highest tier.
Insurer: Spot
By: Jesse Dimeglio
Ease of claim
It was very beast to submit a claim and it was processed very quickly. I am glad I chose Embrace for my pets.
Insurer: Embrace
By: Patty R
We've had Embrace for years and highly recommend
We've had Embrace for years, and have appreciated the flexible options they offer so we can adjust our coverage as needed. This is our first time to have met our deductible (thankfully!) and it was such a relief to have coverage as we discussed the treatment options with our emergency vet. Embrace was so helpful in explaining next steps, and less than two weeks after our incident, we received our reimbursement. Every team member I have ever spoken with has been just the absolute nicest and have gone above and beyond to get us an answer. We started our coverage after friends lost their beloved dog to an emergency situation several years ago that drained their savings. It's a relief to have and I highly recommend starting Embrace coverage as soon as possible. We couldn't be happier that we have Embrace protecting us as our girl gets older!
Insurer: Embrace
By: Allison
Representative knowledgeable and helpful
Representative knowledge
Insurer: Prudent Pet
By: Neal Appel
Appreciate the insurance and peace of…
Appreciate the insurance and peace of mind knowing that our pets are covered.
Insurer: Pumpkin
By: customer
My first attempt at submitting claim
My first attempt at submitting claim. Process was easy.
Insurer: Embrace
By: John Kaso
My favorite monthly bill to pay
I have heard so many bad things about pet health insurance nightmares so I was prepared for a bad experience. Four years in and I am so happy with the coverage and service. Last year my dog was hospitalized twice totaling $23,000.00 and this year we are up to $15,000.00 so far. They have never denied a claim. My dog would have to had been put down if I did not have this coverage. I tell everyone I know to insure their pet with Embrace. The premiums did rise a TON this year, but I don't care because it's worth it.
Insurer: Embrace
By: Shannon Anderson