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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
Claims paid for multiple pets
I have two dogs insured with ASPCA. We had the misfortune of having multiple claims for both of them this year. These claims were thankfully processed and reimbursement paid quickly and efficiently
Insurer: ASPCA
By: Marc H. Brawer
Checkout was great
Checkout was great. Took me a bit to understand what was covered and such. But overall so far great experience.
Insurer: ASPCA
By: Jessica K
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
By: Scott
Quick to process claims and send check
Quick to process claims and send check. Policy are easy to understand
Insurer: Figo
By: Karen
Complete bait and switch company
Complete bait and switch company. My pup injured her eye playing for the 1st time. It was not a genetic condition whatsoever. Figo denied the claim even though I had an eye surgeon confirm it was due to an injury in WRITING! Claim was denied even when contested they paid ZERO dollars. Cost me over $8k out of pocket not including after care. I was so distraught I didn’t cancel. Later my dog hurt her leg as she was getting up in the years at 13. It wasn’t a huge bill but around $1000 in care and meds. Claim denied! Why do I have insurance?! I had top tier insurance I was paying for all 3 of my dogs. I was spending nearly $400 a month for several years. I would’ve been better off depositing that money in a high yield savings account! I just now got around to writing a review. Wish I had made time sooner to hopefully save you so you don’t make the same mistake I did and lose thousands of dollars!
Insurer: Figo
By: Anna Marie Arredondo