I have been with Nationwide Pet Insurance almost 20 years. I was happy for the most part with their coverage and customer searches and ease of submitting claims. This year there were a lot of changes to the plans I already had for one of my dogs. I have been regularly unable to get into the website for to file claim and update my address for a few weeks now. I was pleased and surprised to find another pet insurance company with better coverage than Nationwide for a lot less. Highly recommend Pumpkin Pet Insurance and their customizable plans. Unlimited cap with 80% reimbursement and $250 deductible for up to $60 less a month for my 8 year old (that plan isn’t even available at Nationwide anymore) and $10 more a month for the same coverage for my 3 year old. Pumpkin’s wellness plan has more coverage too. Also they offer 10% discount on multiple pets vs NW 5%. They do have pre-existing conditions exclusions too but after investigating 10 different other pet insurance plans they still have better coverage than any of the rest. My vet recommended Pumpkin to me when I got my 3 year old as a puppy. Wish I had investigated it then. Would have saved me a lot of money due to Nationwide’s low coverage caps if I had changed to Pumpkin when I originally got my 3 year old.

Reply from Figo Pet Insurance

In 1 year my pets insurance went from around $48.00to $75.00 and I am sure it’s because we had to use it. It is not practical for my pets insurance to increase that much in 1 year. My other pet’s insurance didn’t increase that much and it’s because we didn’t use it this past year.

A bit pricey and the fact no one told me. There was a 2 week waiting period

Horrible customer service. You weren't able to get my pets vet records themselves even though it says you can do that. But whatever ok fine, I call my vet and have him send everything over. Then I get another email from you saying that the records aren't complete and you need more. I call my vet again and have him resend everything and also cc me in the email. Everything is there. I reply to you, "that's everything, we literally don't have more records." no reply for a week. My partner calls you and the person we spoke to insists on needing more records. There. Aren't. Any. I finally get another email back from you too, saying again that you need more records?!??!! I'm like how many godforsaken times do I need to tell you there literally are not more records!! Finally it seems like you bufoons get it, and start processing the claim. Miserable and stressful experience and a waste of my time and money.

I am not a fan. I had Lemonade insurance before moving to a state that didn’t accept Lemonade and had to switch to FIGO. I never had any issues with Lemonade and only encountered issues with FIGO. They will not reimburse you for ANYTHING! They will find any small detail to make sure they don’t have to pay you anything or contribute to your deductible. My cat was diagnosed with asthma after already having insurance and since they was 1 exam note from two years ago that he had a cough it was considered a pre-existing condition. I even paid extra for the vet fees wellness package and they didn’t cover my vet exam fee. FIGO sucks, don’t pick them.

My baby cat started to have seizures and was eventually diagnosed with epilepsy.

I don't really recommend anyone to use a kangaroo.At first they make everything look pretty, but in reality it's not like that. They sent me to the hospital to take my pet and then when I filed a claim they never wanted to pay me.I just tell you to be very careful.

Claims take too long

Your AI screening is erroneous and quick to decline claims. Your reviewers assign their own diagnoses and claim the claim submission is pre-existing, as opposed to what the veterinarian has listed as a diagnosis. Multiple appeals due to errors on your part. I would change insurance companies if I could, but then my dog's issues would be "pre-existing."