Signed up for the “$3,000 emergency fund” promise. When our cat started gasping at 2 A.M., the video vet was kind and quick on Zoom—great bedside manner. Then the red tape began: five uploads of receipts, three days of waiting, and only 60 % of the bill covered “per policy.” Not a scam, but not the safety net they advertise, either—more like a helpful friend who’s always a little short on cash.

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.

Finally found a good plan for my Jack Russell terrier Cooper. He’s got stomach ulcers so I went with higher coverages. Worth it because I’ve spent about $800 every time I go to the vet in the past

What ever pain your pet have, they call it new “ ‘condition’ not to pay, Pain is not a condition, is temporary.

None

An absolute scam. My senior cat had a UTI this summer and an ER bill for $1300.

Couldn't just sign up for accident insurance. I don't know if that was my fault or that you can't just sign up for accident insurance.

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...

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied.

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!!!