Policies find every loophole to deny claims. Clinical and medical examination requirements are not made clear and buried in fine print end up in resulting “pre-existing conditions” to never be covered.

My claim for dental extraction was denied because of tooth decay in Cocoa vet file. Her tooth was not decayed . It was a double tooth the vet found when she was cleaning her teeth.

I’ve tried more than one time to email and call customer service to understand why my dogs claim will not be processed. I don’t get a response for 5-7 days and when I do, it’s the same generic response. No critical thought put into it. I don’t know what medical record they are looking for, or I would try to provide it. If it’s going to be this difficult to submit claims I may have to look for another company. We had Embrace for years and never went through anything like this. It is still not resolved, and seems likely that a claim for this dog will never be processed since they won’t accept the records that I have already uploaded.

You ARE impoossible to get a hold of. You are too expensive and I am cancelling effective immediately 3/15/24.

Minimal coverage. The only reason I keep the policy open is my fear of something terribly expensive happening to my dog.

No negative issues.

Reply from Figo Pet Insurance

Very confusing. Your breakdown of what is covered is confusing. I thought the breakdown is what I pay, not the maximum you'll pay in a year.

Reply from Figo Pet Insurance

They find many and varied reasons not to pay. I don’t even send in claims because I get so upset when they wiggle out. This is illegal with humans but going on in full force with pet insurance. It is a scam to drain your wallet with fancy suggestions that someday something may go wrong that they may consider paying. I am considering dropping it all together. Having difficulty figuring out why I pay, except I want everything customary for my pup.