When choosing dog insurance be aware that these companies want your business as long as your pet is young and healthy. As they get older and you use the insurance more frequently to cover your pet's medical expenses, they will start denying claims and raise your premiums in order for you to cancel or they will flat out cancel your coverage.

I bought insurance for my dog. Had two appointments the first was $650 of which they reimbursed $150 the second two weeks later for $1005 and they refused to reimburse me because they said it was not within the waiting period! This is ridiculous!!!! Poor customer service lies and they don’t care at all !!

Do not sign up with this company. They will deny claims for "pre-existing conditions" even though the health issue is unrelated. They will badger your vet for the pet's complete medical record, even though they received it as I personally sent it. Then they will ask for it again. Clearly a stall tactic or they are very disorganized.

Misleading in full coverage benefits, and when you try to cancel full coverage, they do not give you the option to do so.

I was never told what records you needed. And I can’t find it on the site.

It took me multiple times to submit my claim. Your website kept saying there was an error and please call for customer service. It did it numerous times but then when I would click the back button it would show the page required to continue the claim. ANyway, it was finally annoying and frustrating until I was able to finally get the claim submitted. About 20 minutes of my time instead of 5 minutes...

Figo drops the Ball on the amount of time they take to get your Claim done. I submitted a Claim on 8/20/25 & here it is 8/27/25 & my claim is still in Review. I am seriously thinking about dumping Figo & finding another Pet Insurance Company! Figo has not met my expectations whatsoever! Figo needs to do a lot better at processing claims in a timely fashion! I so far am not happy with the Figo turn-around time!!!

I purchased insurance from Spot Insurance based on good reviews I saw online after my former pet insurance stopped underwriting my type of policy in Florida. Every illness claim has been rejected as pre-existing conditions. Examples: My pet had a corneal ulcer in one of his eyes prior to my policy. He later had a corneal ulcer in the OPPOSITE eye. To Spot Insurance, this was pre-existing (I did appeal it but their customer service did not reach out.) Another example--my dog has had a valve heart murmur for year. It is completely stable and does not require any treatment. He recently developed a completely different heart condition. I specifically asked my veterinarian if it was related to the valve murmur. She said not at all. You guessed it. To Spot Pet Insurance it is pre-existing. I'm so disappointed in this company and would not recommend them to anyone. Save your money! You can use it to pay for all the conditions that Spot wouldn't cover anyway.

PetsBest takes a long time to process a claim, close to 30 days. Preexisting condition definition is very broad, be sure you understand it before signing up. For example: if there is a record of your dog ever itching, they may exclude any Dermatology condition.

I insured my dog and cat for 12 years with Nationwide. I regret that I did. It was a waste of money. I never made a claim for the cat, but the dog had several surgeries after she turned 10. She had three benign tumors removed. Then she developed lymphoma and had a fourth surgery. Her ultimate, fatal condition was a trigeminal nerve sheaf tumor, which was inoperable. She died August 1. I paid them thousands of dollars over the years. Between $15,000-20,000 for the two animals. The reimbursements were a small fraction of my costs for care. At one point, she had a tumor removed from her eyelid. The bill: $3,500. The reimbursement: about $700. What's the point of paying for insurance when the coverage is so miniscule? I would have saved thousands of dollars by having no insurance at all.