Have used this insurance for a few years now, their service level has gotten much worse. For every claim we make now, they are requiring to send full medical records for the pet for the pet's entire life -- even if they already have the records because they made us send them previously!!! Our pets have been with healthy paws since we adpoted them (at 8 weeks), we provided their adoption visit records and have provided full medical records multiple times now. But to complete any new claim they are requiring us to send the same full medical history every time... Getting very time consuming to use this service and we will look for another - too bad they were good to us for years.

It takes longer than it should to process claims.

The ASPCA has repeatedly denied claims that were covered during the same policy period necessitating several, time consuming, appeals. I have referred this company to over 100 people over the last 8 years I have had coverage for my dog because the coverage was clear and promptly paid. Si9nce January, 2025 every claim has been denied. I am hearing from several people I referred to ASPCA Ins that they have gone elsewhere for the same problem.

Took my dog to the vet and did a claim they sent it too the vet they had to cancel that check and still waiting for the check I called them and their stating that they have too reissued me another check

High Premiums & Crazy Hike at Renewal Figo increased my premiums by 40% and 31%. Now over $310/mo for two healthy dogs. I have been with Figo since 2021. I renewed my policies for a new zip code in March 2025 for a 5yr 2mo old dog and a 7yr 3mo dog. The monthly premiums increased less than $10 per policy due to a new zipcode to $118/mo and $114/mo for each dog respectively ($232/mo total). That’s fine. However, upon autorenewal in May 2025 (only 2 months later) Figo is now increasing the premiums to $165 and $149 per month citing age, breed, and zip code. There was no change in zipcode since the March renewal, no change in breed (obviously), so the only cited reason by Figo that did actually change is age... By two months! How on earth do they justify a 40% and 31% increase in cost for a 2 month increase in age!? These are two healthy dogs / breeds with no persistent health issues and who are not particularly old. I understand Figo has the right to increase premiums by whatever amount they desire, however their cited reason does not make sense to me. Only reason they get two stars and not one is because they paid claims when I submitted and did not scam me. However, we will be cancelling because nearly $4,000 a year is absurd and I am afraid of how much they will jack up the price next time if we stay. Honestly, the insurance is probably not worth it in my opinion. Even though I have filed claims I am probably still in the red given the premiums I have paid since 2021. In my opinion the only benefit is you can essentially spread the cost of a surprise / emergency vet bill over time but you are absolutely paying for that privilege. If you can afford an emergency vet bill once in a blue moon, I advise skipping the insurance.

Cancel this insurance immediately!! I have not heard from you since taking out insurance. I have no policy, no numbers to call, no information at all. If this is the way you do business I want no part of it!! Send proof that you have canceled immediately so I can purchase other insurance!

I had two older claims that I had not put in. i have had this insurance since 2017 and have paid every month. now I am being told that even though I paid for the coverage, since I didn't file in time it is being denied. I don't think that is even legal.

My dog recently passed away due to chronic kidney disease. It was great that they covered the expenses, although I had to pay my deductible multiple times for the same issue... In the end I probably paid almost half of the bills anyways. The one thing I hated about Trupanion was their cost of coverage increased every year. It started at about 70$ every month (at less than a year old) to about $226/month when my dog was 7 years old - my deductible was $900. It ridiculous how much it increases per year just because my dog gets older.

I just joined so there isn't any history yet.

They have improved the payment time. It would be good to have EOBs connected to check. They keep mixing up my 2 dogs in regard to payment even tho the correct animals name is on the invoice which holds up payment.