Sad how little insurance pays for but it costs so much, what a waste.

"Feeling really let down by @FigoPet insurance. We chose them, especially as a Costco member, for peace of mind. But now, after my puppy Shadow's accident (ran into a wall on 7/18), they're denying coverage by labeling it an orthopedic injury (30 day wait) instead of a simple accident (1-day wait). I am appealing this misclassification, expecting it to be re-opened as an accident. Update: 8.18.25 - My appeal was denied. Figo wont pay anything towards my $720 claim. Apparently anything other than a broken bone doesn't qualify as an orthopedic accident and is subject to the 30 day waiting period. From their reply to my appeal: "Orthopedic conditions, with the exception of broken bones only, are considered Orthopedic Illnesses under this policy." So, if your pup runs into a wall or falls, trips or has some other form of accident and is screaming and limping and you decide to take him/her to an emergency vet... Unless it is a broken bone Figo won't pay for the vet visit, diagnostic x-rays or pain medication. I will be dropping my Figo policy immediately. I suggest that you stay away from this poor quality & misleading insurance coverage.

they are very exspensive

I love that I had your 30 day trial. Helped me lots with my pups broken leg. But I requested multiple times for option packages so I can continue the insurance and maybe add another pup. I got no response!! My trial is running out .

I wish underwriting was faster. Once complete and we have our first appointment I can see how I like the coverage.

I tried to cancel my policy. I was transferred to the adjuster who then hung up.

Length of time to have claim worked is much longer than what is quoted on the website when submitting a claim. I have had to wait sometimes 3+ weeks to have them worked completely.

Substantial increases with no explanation, denying coverage claiming "pre-existing" conditions when that was not the case. When I first obtained insurance for my dog, it was only $45 per month. I got the highest coverage at 90%. Now, it has increased to $170 per month. No explanation of why. No option to respond. Within the "waiting period" of initially getting the insurance, she ended up with an ear infection. Now ANYTHING ear-related is not covered, and unfortunately she gets frequent ear infections. I was happy with the ease of the app for a long time, which I do appreciate because it makes claims easy to file, but the increase in prices is unjustified and now they have been denying claims they should be covering - even after I email back with additional details and explanations. They claimed an infection in her paw from a friend's pool was considered "pre-existing" when it happened two weeks prior. The company was good a few years ago, but I would never recommend it now. They should be reviewed by the Better Business Bureau.

We have 4 dogs,who rarely get sick, are not exposed to dog parks. Our youngest pet was placed on insurance the day she was adopted. The bill we incurred was over $5000.00 We paid 100%. Embrace asked for medical history starting on January 1, 2025. The puppy was not BORN until April 1, 2025 so how could there be a medical record? The claim for severe abdominal problem was denied in part because she had motion sickness during exclusion period. BS.

This pet ins is good i have had it before and i do like it for my pet.