If there were an option to receive ZERO stars I would select that option. Denies claims. Of one claim that was processed on 3/17/2025 payment has not yet been received as of 5/19/25. False advertising when it says payment received within 7-10 business days. Will be filing a formal complaint with the insurance board.

I wasted my money on this insurance, higher deductibles and the claim process is lengthy and no matter how many documents you provide it never gets approved. When you contact them they ask you to send additional documents to their hartvillegroup email and nobody responds. Never again and I wouldn’t recommend it to anyone.

While I have had some good claims go through, the most recent one was handled extremely poorly. They will dig through your pet's medical history until they find something they can latch on to and call a preexisting condition. This time it was - VOMITING. Vomiting as a pre-existing condition? That is a symptom of literally everything. When you call and ask for explanations, they can barely speak English let alone explain the reasons why your claim is denied. They will not look at the claim again, just tell you to dispute the claim. I will try but I'm sure it will amount to nothing. As someone who works in customer service, this experience has been less than stellar. A company with ties to the ASPCA that treats its customers and pets this way is sickening. Now I'm scared to leave because my dogs are seniors and need coverage. Very disappointed. 0 stars.

I have had nothing but trouble with ASPCA. Their communication is poor, their customer service line cannot seem to get it straight was is needed and they do not communicate back to try to resolve an issue. They also say that they have reached out about medical history, but that is not the case. I am so far very unimpressed with ASPCA Pet Insurance

With the recent rate increase I decided not to continue with the insurance

Reply from Figo Pet Insurance

Reply from Figo Pet Insurance

My experiences submitting claims is that they just look for ways to deny the claim. Generally no reason is given. Would recommend another company

I had great experiences with my previous experiences with Figo. I adopted a new dog who had some diarrhea after I first adopted her which is so normal for a dog adjusting to a new environment. 6 months later I took her in for testing for a totally different intestinal disorder and feeling confident this claim would be covered I did several types of testing and my claim was denied as “preexisting condition” which was not the case. I’m seriously considering canceling my policy because of concern for future claims being denied.

My emails are unanswered after I haven’t received a check when the claim said approved