Conditions like bacterial infection of cats can happen over time. Figo straight up denied claims for simple things as pre-existing conditions. Not worth keeping the insurance. The good thing was that cancellation was easy.

Every time we need trupanion they tell us things are pre-existing. We plan to save our money and just pay for services since that’s what happens when we need them. We have paid them for several years and we would have been better off putting our money into savings.

To make a long story short, it took over a month to process and then it was closed. No one bothered to tell me they needed dental records - I have no idea if they even requested them. Plus what dental records could a dog have? He had to have teeth extracted - that should be a simple enough explanation!

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear . The customer service was great but never could do anything to help. This is not the Pet insurance company they have an underwriter that doesn’t want to pay out claims. When I called to cancel within the first month and mentioned I was so happy I didn’t cancel my other pet insurance I was asked which one and when I said the name she sounded surprised! She actually said “are you serious?” The other company has paid out on all claims and I’ve never had a problem but I wanted an insurance company that would cover Dental well they don’t if there is anything in the pets file stating they had anything tooth problems prior there is a 180 day waiting period.

Company isn't transparent about deductable and coverages. I had a $3000 mouth surgery bill, they paid $900.

Its been 7 months, and my claim still hasn't been paid.

After 15 years of paying monthly premiums including very minor yearly increases this year they raised my premium over 400%. I went from paying $81/month to the new increase of $322.50/month!! The person I spoke with thought this was entirely reasonable and offered to cancel the policy since I was so unhappy with the change. So yes the service was good for those years but this is how they treat you and your precious pet when they would probably need it the most. Don't fall for this trap

This company will never pay out. Find anyone else. Took my dog to the vet because of a rash and got all his yearly stuff at the same time ended up with a bill over $800. They paid $36. Then they told me I needed to meet a deductible. What!?!? I just paid for everything in cash at the vet why for freaks sake would I need a deductible?!?! Meanwhile these people are taking money out of my wife's check automatically every month. Yeah not anymore. MetLife pet sucks. Find another company.

The underwriters wrote false information about my dogs that they had periodontal disease and one of them was aggressive. They said anything to do with aggressive behavior they would not cover. I called my vet and they verified my dogs, did not have periodontal disease, and they were not labeled as aggressive. The underwriter reasoning for labeling my dog as aggressive was one of my dogs did not want the thermometer in his behind which is normal behavior. I was so outraged by this I did not even want to file a dispute. I immediately cancelled this insurance and demanded a refund. I used nationwide for years with previous pets but never again! Liars!

Where do I begin? They do everything not to pay the claim. When the request more records and I sent them, I get an automated email saying the records were received and it’s in review to make you feel things are taken care of when in fact customer service said that’s just an automated response. They tell you to wait 30 days then call back so you do, and they say they still need more information. It goes round and round and round. They never did pay on my first Dogs’s bill and I got so sick of it I gave up only to send my second dog in For a claim and they’re still pulling the same thing they did on my first dog. customer service can only take your information and give it to the claims department, but you can’t speak to the claims department their gods or something. I do not recommend this insurance company to anyone. I have paid my claims on time and not one time if they paid out. It’s a constant battle to make them pay.