I have no idea what kind of scam this is. I took my dog to the vet for itching on his feet.. $369 vet bill. Only $118 of the bill is applied to the deductible. The vet's exam fee is denied! I'll give this fly-by-night outfit one more chance then take it to the NYS Insurance Commissioner.

Scam. I subscribed through my employer for a pittance of a "discount," only to have coverage severed when the pets reached a certain age. We had an emergency vet visit on the final day of coverage, and they denied it due to "terminated coverage." Wrong, sir. WRONG, in every sense of the word. I will never purchase a Nationwide product of any sort. in my opinion, they have stolen from me and made false promises.

My claim was denied on the removal of an undescended testicle in a dog. I appealed and was informed that I would need additional coverage to the ever escalating premiums that I already pay. This was not a neuter, but a necessary procedure done to prevent cancer, which is a risk with undescended testicles. AKC pet insurance is overpriced and has many add on with coverage, not a basic wellness coverage and/or illness/accident coverage. I would not recommend and will be cancelling the policy.

I've submitted a few claims for different issues over the past 5 years and every claim has been denied. The latest claim was for dental work and their reason for denying the claim was that he didn't have a dental exam in the year prior to enrolling so they determine it to be a pre-existing condition. I enrolled him with Trupanion as a puppy when we picked him up, so it's impossible for him to have had a dental exam in the year prior to enrolling. This "insurance" is a complete scam.

I have no idea what kind of scam this is. I took my dog to the vet for itching on his feet.. $369 vet bill. Only $118 of the bill is applied to the deductible. The vet's exam fee is denied! I'll give this fly-by-night outfit one more chance then take it to the NYS Insurance Commissioner.

My claim for the treatment of a bladder infection of our cat was not reimbursed by Figo, referring to a comment in his file that, according to me and our vet, has no causal link with bladder infection whatsoever. Our cat developed a bladder infection 5 weeks after taking out the insurance, so in essence Figo's suggestion is that I would purposefully have registered our cat while he already had a bladder infection, and then let him walk around with it for 1½ months, just to be able to declare the invoice? What an annoying and also disrespectful insinuation..... It now appears that our cat is not insured for a whole series of conditions as a result. If I had known this in advance, I would never have insured my cat with Figo. I therefore believe that Figo's registration procedure is seriously inadequate and places a disproportionate amount of responsibility on the policyholder. I registered a 100% healthy animal in good faith, and Figo is looking for a reason in the file to avoid a claim. It would be fairer for Figo to give a person who applies the claim the option to have the file reviewed, so that any exclusions are clear in advance. Because of this omission, I am now paying a year's premium for a cat that is barely insured. Even after filing a formal complaint, Figo does not say a word about the inadequate registration procedure and does not move an inch towards a lenient treatment. Very disappointing! My advice is therefore to have Figo assess the file of an older animal with a file at the vet first, to avoid any nasty surprises later on.

They refuse to cover ANYTHING and will blatantly lie and gaslight you when you try to confront them about anything. They told me my cat had "never received a dental cleaning" even though it was CLEARLY in his claims records that he has one before. They just adamantly denied it and said "well you can try to appeal if you want". They are a SCAM.

I just wanted wellness. But your site states that I had to get accidental. It also states that accidental would not be approved for 2 weeks and wellness was right away. You guys wanted 2 months in advance. No problem. I scheduled my pup for a wellness visit and went to print out the docs. Both the wellness and accidental was effective in 2 weeks. Talking about a bait and switch. So I called the rep and she stated to me a lie….”oh yeah, if you would have just had the wellness alone, it is right away.” That’s a lie because your policy states that you had to have accidental with all plans chosen. I even went back in to disprove her statement. So I had to cancel her visit because had I went in, it would have been all out of pocket costs and they wouldn’t have covered anything.

FYI Folks.... If you have a complaint against this or ANY pet insurance company. You can do 2 things, file a complaint with the Better Business Bureau AND file a complaint with your states DEPARTMENT OF INSURANCE! They are the ones who regulate insurance companies. That includes pet insurance.

Website kept glitching and telling me it didn't go through, only to go find I got 2 confirmation emails that my application is being reviewed