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Insurer: Trupanion Canada
By: Linda
Nothing is covered
It seems that nothing is ever covered by pet insurance. There are a number of required treatments that all pet boarding facilities require. None are covered by insurance. I pay more for pet insurance than the treatments cost. Probably going to cancel this service.
Insurer: Figo
By: Kees Briggs
Great rep’s true pet lovers
Great rep’s true pet lovers. Quick claim coverage. Thanks
Insurer: Trupanion Canada
By: Brian James Meaney
Worst Pet Insurance ever - total scam
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
By: Scott
The Best in the Business
We've used Trupanion Insurance for the last 12.5 years and wouldn't bring another pet home without enrolling them. The piece of mind alone is worth it. When we have had to make a claim, it is convenient and painless, which allows us to focus on our pets. The plan is straight forward and we love the one-time deductible for each claim with unlimited lifetime coverage, which no other company can offer. Trupanion remains the best choice for pet insurance!
Insurer: Trupanion Canada
By: M H
Amber was really great in answering all…
Amber was really great in answering all my questions. She was able to let me know I was on the right track with my thoughts about Mia's insurance plan. I am now able to make a sound decision on Mia's treatment. Also, Amber was very nice in wishing Mia well and to give extra ear scratches to Mia for her. That helps in making the call more personable to me and my Mia. I appreciate. Kudos to Amber!
Insurer: Nationwide
By: Cindy
Awful experience-Stay Away
Awful experience! Pumpkin works exceptionally hard to find a way to make something out to be pre existing even when the link is incredibly tenuous. It’s taken months to get denied and then months more to go through appeals. Our incident was in December, it’s now May. They never reached out to our vet as requested for explanation when we appealed so we had to appeal again. We had to do all the leg work for them and all to no avail. Thoroughly disgusted and disheartened. I have never, in decades of animal ownership and years of insurance, seen a company work so hard to deny.
Insurer: Pumpkin
By: Kimberly
Is anything covered?
Overall, FIGO seems like a great deal for decent pet insurance. Blows the competition out of the water. In reality, it's extremely difficult to get anything to apply to your coverage. I am a benefits specialist, and very familiar with reading benefit plan documents and interpreting coverage. There has been many instances where my pet's condition/injury/illness may have been covered but were denied. After going through the claims dispute process, I still wasn't satisfied with FIGO's rejection. I renewed coverage for a second year out of convenience. I will continue to consider other pet insurance options in the future. That said, I hope FIGO still proves to be of some value.
Insurer: Figo
By: customer
Very frustrating.Had a follow up visit…
Very frustrating.Had a follow up visit with the Vet and there is no where to add this to my claim as far as I can tell. Also, no phone, text , chat or anyway to get ahold of these people.
Insurer: ASPCA
By: Stephen Lang
Easy
Very easy to put claim in but we’ll see what they pay!
Insurer: Embrace
By: A. Orlando