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Updated 12/31
Updated 12/31 – Claim Handling Failure & Bad-Faith Denial As of December 31, FIGO has never contacted me or my veterinarian for clarification, yet they denied $500.39 for a critical medical condition without providing any substantive medical explanation. Their system-generated note states: “An attempt was made to obtain clarification on $72.68 credit in order to continue processing this claim. Please contact figopetinsurance.com with any further questions.” This statement is misleading. There was no real attempt to obtain clarification. No phone call. No email to the veterinarian. No request for medical records beyond what was already submitted. Claim ID: FPI30000114468 Instead of engaging in good-faith review, FIGO simply denied the claim in full. Full Review – Why FIGO Failed My Dog I deeply regret choosing FIGO for my dog, Loc. I pay over $100 per month in premiums, yet every claim is handled with extreme delay and minimal effort. A standard claim takes weeks to review. An appeal can take an entire month, only to be auto-denied without any meaningful medical evaluation. My dog is medically fragile, with: Chronic anemia Immune suppression Cancer history Severe gastrointestinal malabsorption The treatments submitted in this claim were life-supportive medical care, not wellness supplements. They were explicitly prescribed by his veterinarian as part of a medically necessary treatment plan. FIGO acknowledged in writing that these items were part of the treatment plan. However, instead of: Contacting the veterinarian (whose information was clearly provided), Requesting clarification, Or conducting any medical due diligence, FIGO chose the fastest and most negligent route: Categorize everything as “supplements” and deny the entire claim. This was not a medical decision. It was an administrative shortcut. Pattern of Delay, Denial, and Non-Communication FIGO’s claims process appears structurally designed to delay, discourage, and deny, especially when a pet has serious or costly medical conditions. There is: No proactive communication No vet outreach No explanation-based denial No evidence of case-by-case medical review Only automated responses and blanket exclusions. By contrast, other pet insurers do reimburse medically necessary supportive therapies when prescribed for conditions such as anemia, malabsorption, or cancer recovery. FIGO categorically refuses coverage while continuing to collect high monthly premiums. Final Assessment FIGO demonstrates: Extremely slow claim processing Poor follow-through Lack of communication No meaningful medical review A denial pattern that feels automatic, not clinical Choosing FIGO was a serious mistake. I stayed only because this plan was offered through Costco, and I now fully regret that decision. If your pet has real medical needs, especially chronic or complex conditions, avoid FIGO at all costs.
Insurer: Figo
By: Ada Ng
Filing claims is quick and easy
I have filed several claims to MetLife Pet Insurance and I found this agency is super in responding and explaining to my claims. They made it easy to submit and file a claim. And the turnaround time frame in response to my claim is great. I really appreciated their service.
Insurer: MetLife
By: Tina
Great
Great! I called to add a new cat and was very happy with my experience.
Insurer: Nationwide
By: customer
Representative took time to explain the…
Representative took time to explain the difference in plans and was kind
Insurer: Nationwide
By: customer
My experience with Spot has been…
My experience with Spot has been excellent!
Insurer: Spot
By: Nancy Baker
I was on vacation when my dog needed…
I was on vacation when my dog needed emergency vet care. I wasn't present, but my dog sitter had my insurance information to present to the vet and Trupanion paid their portion within seconds. It's peace of mind - even when I'm away.
Insurer: Trupanion
By: Karen
Very polite and informative.
Very polite and informative.
Insurer: Fetch Canada
By: Pardeep Sandhu
Tried and true
Tried and true. Spot covers what they say they will. No surprises
Insurer: Spot
By: Kristin Doyle
All questions answered!
Josh answered all my questions I had about our policy and even gave me a discount, great experience with customer care.
Insurer: Fetch Canada
By: Sabryna Dass
MetLife Pet Ins
MetLife Pet Ins. has great and reasonably priced coverage. I was able to tailor it to each of my 2 dogs. It was pretty simple
Insurer: MetLife
By: Kathryn