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.

I have an issue with rejection of a claim for an injury and have called several times and ask to speak with supervisor and no one has returned my call or addressed the issue. Very time consuming with a new oup

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.

I deeply regret trusting Odie Pet Insurance with my dog’s coverage. After being transferred from ManyPets, I was assured in writing that I would “retain the exact same coverage,” including for ongoing conditions that had already been covered. But when I filed a claim for a new ear infection (not chronic or recurring), Odie denied it—claiming it was a “pre-existing condition.”

Claims are processed and paid pretty quick. Customer service is good. Three stars is because they raise the premiums greatly annually at policy renewal. Like 100% increase. The only way to lower it is to reduce benefits. Eventually, it just won't be worth having.

We paid ~$60/mo for nearly two years for our young, healthy dog with no claims. When we finally had our first minor incident - exactly what our policy was supposed to cover - Lemonade found enough loopholes in the fine print of the contract to avoid paying nearly anything for the claim. They tried to argue that the emergency evaluation was an "office visit" which wasn't covered in our policy. Using this interpretation, we'd be on the hook for $250 on every vet visit before any coverage kicked in - which is effectively a $250 deductible PER CLAIM on top of the $500 yearly deductible we already pay. In the end, they covered less than 20% of our emergency bill, on a 90% coverage policy. When we tried to appeal, they were slow to respond and unhelpful. This company is dishonest, greedy, and not worth choosing in a sea of competitors.

When checking out with the insurance policy an error appeared saying it could not be completed and to call customer service. I didn’t want to bother with that so I chose another insurance provider. Nationwide still charged me

I was charged but never got any policy info.

Very poor customer support. Takes several days to get an answer and then in the middle of a conversation, they just don’t respond anymore.