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The process of registering our Samoyed…
The process of registering our Samoyed puppies with Figo Pet Insurance was extremely easy. As expected, enrollment is very smooth—they are clearly set up to make purchasing insurance simple and efficient. Our premium was approximately $300 per month for both puppies, which we felt was reasonable given their value and status as show dogs. After enrollment, there was a standard waiting period of about two weeks before coverage became active. This is when the issues began. Our puppies were only 10 weeks old at the time—very healthy, well-bred show dogs receiving excellent care. During a routine check, we found a tick. Although it was not embedded, we acted cautiously due to their status and had them evaluated. The tick itself tested positive for Lyme disease (not the puppy). Based on veterinary guidance and out of an abundance of caution, we proceeded with a two-week course of doxycycline. We submitted a claim, and initially, the process seemed straightforward. However, when I followed up two weeks later, I was informed that claims processing takes 6 to 8 weeks, which I was told is standard for the company. This is where the concern lies. When you are paying over $300 per month, you expect timely support—especially in situations that could escalate. Veterinary emergencies can range anywhere from $1,000 to over $20,000. Many families do not have immediate access to that level of cash. A reimbursement model that takes 6–8 weeks creates significant financial strain and risk. Fortunately, we have the resources to cover unexpected costs, but many pet owners do not. In a true emergency, waiting weeks for reimbursement is simply not practical. For this reason, I strongly encourage anyone with high-value or show dogs to carefully evaluate their insurance options. We ultimately considered switching to Trupanion. While it is more expensive (our premium increased to approximately $650 per month for 90% coverage with a $200 deductible), their model is fundamentally different. In many cases, they can pay the veterinarian directly at the time of service, which eliminates the need for large out-of-pocket expenses upfront. Bottom line: Figo Pet Insurance is easy to enroll in and competitively priced, but the extended claims processing time is a significant drawback—particularly for owners of high-end or show dogs where rapid access to care and financial flexibility are critical. Before choosing pet insurance, take the time to understand not just the cost, but how and when claims are actually paid. It can make a major difference when it matters most.
Insurer: Figo
By: Esteban Marquez
It was easy to submit my claim and…
It was easy to submit my claim and receive my reimbursement.
Insurer: MetLife
By: customer
MetLife pet insurance has always been…
MetLife pet insurance has always been such an easy process to submit claims and provide all proper documentation’s. I appreciate the examples of the documents that are required. The handbook package is easy to read and understand. I would definitely recommend MetLife pet insurance and will continue to use them for all my pet insurances.
Insurer: MetLife
By: Jenn
Don’t waste your time/money,useless & combative!
Trupanion is totally useless.For a rescue, they deny claim for any & all Vet visits.Any health issues were deemed “pre-existing” because of “rescue.” Bottom line?They charge monthly & literally covered zero.Also customer service? Combative, when questions were asked.DO NOT Recommend, Under Any Circumstances!I would give NEGATIVE STARS rating, if that were possible!☹️😡
Insurer: Trupanion
By: Thelma Alvarez
Fast and covered all my regular vet…
Fast and covered all my regular vet visit
Insurer: MetLife
By: customer
The ease of turning in an insurance…
The ease of turning in an insurance voucher for payment. I like how every part of the process is explained and the speed in which the claim is dispersed. I will continue to tell everyone I know about your company's pet insurance
Insurer: MetLife
By: RAMONA GILMORE
Was quick and fast just easier al the…
Was quick and fast just easier al the way around
Insurer: MetLife
By: Bill Hoover
Good, not Great.
I have been a customer of Embrace for 5+ years, as I compete with my dogs in agility and am a USAA member. I also have a low deductible and a high reimbursement; if a dog gets injured, even an initial evaluation with the vet can run $800-$1000. The good: Embrace covers most of my claims. If a claim is accepted, they are pretty quick about disbursing reimbursement. The not-so-good: Embrace uses AI to review claims. I've had claims rejected because they use the word "ultrasound," and AI cannot distinguish between therapeutic and diagnostic ultrasound. This leads to a very quick rejection of a claim; unfortunately, Embrace takes its time reviewing the additional information they request, delaying claim processing. The bad: My dogs undergo regular therapy to keep them in top form (as prescribed by my vet). The rehabilitation facility offers tiered pricing, which includes therapeutic exercise, underwater treadmill, laser, and physical manipulation -- all for one price. Embrace regularly rejects these claims because "physical manipulation" is considered "massage," and they do not cover therapeutic massage. Other modalities, such as shockwave, are not covered. Even though the price of shockwave has reduced dramatically (from $700/session to $175/session), and it is an evidence-based therapy, Embrace does not cover it. In fact, Embrace will not cover many proven therapies, including Veterinary Orthopedic Manipulation (chiro), Massage, PEMF/TENS, Extracorporeal Shock Wave Therapy.
Insurer: Embrace
By: Lynn Martineau
They make it easy
They make it easy! It was so fast to get reimbursed.
Insurer: MetLife
By: MELANIE WOLFERT