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Be cautious of Figo's policies
If you’re thinking about getting pet insurance through Figo, I’m begging you to hear my story first. I took out a policy with them in September for both of our miniature schnauzers. One of them had been dealing with allergies, and I wanted to make sure we were doing everything we could to keep him healthy and protected. Then, out of nowhere, our sweet dog was diagnosed in November with a rare and devastating form of cancer—something we never could have prepared for. It was a shock, and all we wanted was to get him the care he needed. But when we filed our claims with Figo, hoping the insurance we’d been faithfully paying for would help, they denied every single one. They labeled everything as “pre-existing,” even though the cancer was diagnosed months after our policy began and confirmed by our veterinarian. It felt like they were looking for any excuse to say no. Because of those denials, the costs piled up quickly. We did everything we could for him, and thankfully we were able to cover the bills—but I kept thinking about families who couldn’t. No one should ever have to choose between paying their bills and saving their pet’s life. The hardest part came when our beloved dog lost his battle with cancer. In the middle of grieving, I submitted a claim for his final expenses, hoping at the very least they would honor that. They denied it too. That last denial was like a final blow. Figo has been the most disappointing and heartbreaking insurance experience I’ve ever had. My hope in sharing this is simple: to spare someone else from going through what we did. If your pet is sick or suddenly faces something serious, you need an insurance company that will stand by you—not one that turns away when you need them most.
Insurer: Figo
By: Jonathan Fisher
Happy fur babies
It’s a smooth process. My pets are very happy, thank you.
Insurer: MetLife
By: Raymond Yu
Excellent custom services
Excellent custom services, the rep was well versed in details of the policy. No hard sell, just good communication.
Insurer: Prudent Pet
By: Susan
Questions are always answered and…
Questions are always answered and submitting claims are easy and received payment quickly.
Insurer: MetLife
By: customer
Clover's mouth mass
Trupanion responded quickly and efficiently; which I really appreciated! It was a time of stress and worry with our pup and it was such a relief to not have to think about insurance matters.
Insurer: Trupanion
By: Laurie
Darren was super helpful!
Darren was super helpful! We followed up with my case a couple of days after our first call, and he walked me through the process, answered all my questions, and was very patient with the information I needed to gather.
Insurer: Nationwide
By: Gustavo PP
Great response and customer service
Great response and customer service. Thank you
Insurer: Nationwide
By: customer
Excellent insurance
Easy to use and straightforward policies that are easy to understand. They have policies to fit any budget. I have had them for two of my dogs over the last 15 years and highly recommend them. They repay claims quickly and with no fuss. It is easy to submit them online as well.
Insurer: Trupanion
By: Steven
Best pet insurance ever
Best pet insurance ever! Easy to communicate and fast to be reimbursed! I recommend to all of my friends.
Insurer: MetLife
By: Tawnee Pollner
Impossible to cancel.…
I had Spot insurance for over a year and luckily never needed to file a claim as my pup stayed healthy. I moved out of the country a few months ago and emailed them to cancel my policy. Note - I emailed the address that they sent my policy info from - which is labeled “reply” and does not send an automatic message or have any notes in their prior message that it’s an unmonitored account. I was charged the following month. I emailed them again - this time attaching random emails from their website that they suggest emailing for quotes. They finally responded and cancelled my plan but argued they wouldn’t honor my original cancellation date. It’s also important to note that they don’t have any emails or instruction on how to cancel on their site. I now have to take this up with my credit card company. I would not suggest Spot to anyone I know. Edit - I’m even more disappointed by their blatant lies in their response. There is no footer in the email that the account is unmonitored, the email is reply(several numbers)@mypetinsurer.com. Also there is no automatic message as I mentioned above. And there is no clear information on how to cancel on their website. You can see for yourself.
Insurer: Spot
By: Kathryn H