Terrible Insurance - Avoid at all costs
I experienced the same frustrations and failures of service that many, many, many other customers have experienced with Figo Pet Insurance.
It is amazing to me that, having had so many complaints about the same issues, over and over again, Figo continues to act in a purposefully misleading manner and continues to fail in providing customer service.
First, “pre-existing condition” seems to mean “your pet was alive when you got this insurance” and they simply flat out refuse to cover any medical issues at all. I have attempted to make 3 completely justified claims, all clearly allowed by my policy, and Figo has given the same reason for denying my claim all three times: not allowed due to a “pre-existing condition.”
The key example is that my dog had to have two teeth removed, $1,300 for each tooth, for a total of $2,600 in fees. My insurance has a $1,000 deductible, so I was assuming I would get $1,600 back. I submitted my claim and, within a few hours, received my rejection due to “pre-existing condition.”
Figo indicated that a vet examination (WHILE my dog was covered by insurance) identified a fracture on ONE of the teeth, but not the other. IF I am willing to accept that this one tooth wasn’t covered (due to the vet identifying a “likely carnassial fracture,” even though my dog was still covered by insurance), then the other cracked tooth SHOULD be covered since it was NOT identified by the vet during the previous exam.
Yep, you guessed it, Figo rejected my claim for BOTH teeth, citing the vet report. Basically, my dog was not covered for ANY dental emergency of any kind because he had ONE problem with ONE tooth previously. An absolute joke, and a clear case of fraud.
After multiple attempts at communication with Figo customer service, they essentially just copied and pasted the same response back to me…ie… “pre-existing condition, pre-existing condition.”
FIGO insurance will make every attempt to refuse a payout if they can and will use “pre-existing condition” as the excuse.
This insurance is a complete waste of money; not only am I out the money for my pet’s treatment, I am also out the premiums for this 100% useless pet insurance.
Read the reviews online carefully and you will see the complaint over and over again. FIGO pet insurance does NOT payout, they look for any reason to claim “pre-existing condition” and then reject your claim.
- INSURER:
Figo
- POSTED: 05/16/2023
- BY: Scott
- BREED: Mixed Breed Medium (20lb - 70lb)
- AGE OF PET: 7 - 10
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The Trupanion agent was very friendly and helpful with getting a duplicate insurance tag for my dog who lost his collar.
The Trupanion agent was very friendly and helpful with getting a duplicate insurance tag for my dog who lost his collar. I am so glad a friend recommended Trupanion for Teddy who developed allergies to the environment. The claims are handled timely.
- INSURER:
Trupanion
- POSTED: 05/16/2023
- BY: Juanita
- BREED: Golden Retriever
- AGE OF PET: 4 - 6
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Iâve been paying my monthly premium for two years and now that Iâve actually needed your service youâve provided nothing.
Iâve been paying my monthly premium for two years and now that Iâve actually needed your service, youâve provided nothing. Your policy has been for me to reach out to vets on my own to find documentation that you need. The response is that you know of the supposed documentation, cant tell me what it is exactly, and that you wonât move forward until I go and find it myself as the consumer who does not know what Iâm looking for. You have one job and you wont do it. Caroline was great as a customer service rep but your company is not very good.
- INSURER:
Trupanion
- POSTED: 05/15/2023
- BY: Levi
- BREED: Australian Shepherd
- AGE OF PET: 7 - 10
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Missy Trupaion
Always fast and reliable.
- INSURER:
Trupanion
- POSTED: 05/13/2023
- BY: Young
- BREED:
- AGE OF PET: 0 - 3
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Great Pet Insurance
Easy to use, great coverage snd fast reimbursement!!
- INSURER:
MetLife
- VETERINARIAN:
Willamette Animal Hospital
- POSTED: 05/12/2023
- BY: Annette
- BREED: Mixed Breed Medium (20lb - 70lb)
- AGE OF PET: 7 - 10
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BEST INSURANCE!
I am so happy with my coverage with Trupanion. Thank you!!!
- INSURER:
Trupanion
- POSTED: 05/12/2023
- BY: Dana
- BREED:
- AGE OF PET: 0 - 3
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Happy!
Quick response! Thank you.
- INSURER:
Trupanion
- POSTED: 05/10/2023
- BY: Vicky
- BREED:
- AGE OF PET: 0 - 3
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Trupanion makes it much easier to care for my puppy.
Trupanion makes it much easier to care for my puppy.
- INSURER:
Trupanion
- POSTED: 05/09/2023
- BY: Susan
- BREED: Mixed breed
- AGE OF PET: 4 - 6
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Best Insurance/Service for both my pet and myself
I have had Trupanion since Callie was a puppy, shes 10 now. Two weeks after setting up an account with Trupanion, Callie jumped out of my car. Over the years we have had various issues come up including two knee replacements.... She does love those squirrels. Trupanion has been nothing but fantastic each and ever time! When your pet, the one you love, is injured or suffering, the last thing you want to deal with is the headache of an "insurance" company. I only wish my human insurance was a kind and helpful as Trupanion. I have called and been told "Don't worry about that, that is our job. You just worry about your fur baby." Those words from that man, during that stressful time, will stay with me. It is part of what I think about when I refer people to Trupanion. There is literally NOT ONE bad thing I can say about them. They will not give you a reason to. They are quick with invoices and responses, kind and respectful over the phone. Its like you are talking to your family when you call. If I could be a spokesperson for Trupanion.... I would! They are everything that an insurance company should be, and more. I have never regretted getting or having pet insurance and Trupanion will be the company that I continue to choose for every pet I have. They have truly set the bar.
Thank you Trupanion for taking such good care of my Callie girl.
from Callie and myself
- INSURER:
Trupanion
- POSTED: 05/07/2023
- BY: Jennifer
- BREED: Staffordshire Terrier
- AGE OF PET: 7 - 10
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