Don't get insurance with this company. I have had insurance with them for 3+ years. They have raised my rate every year without much justification. I kept paying it despite it getting expensive. I had accident only insurance, and this year my dog tore her acl (ccl in a dog) in her knee. A very common orthopedic injury to active dogs. I thought "oh good" at least I kept that insurance active. The surgery was $6,000 and I turned in my claim for reimbursement which I already had to pay out of pocket. I got surprised by this company because they turned around and called my dog's accident an "illness", and thus it didn't qualify under my accident insurance policy. Hmm, that was sly! They made no justification to me how they came to that decision, and every vet and person with any common sense would never call an orthopedic common knee injury that required surgery to fix the issue and "illness"! So I called customer service to inquiry about it and they just tried to read me all the stuff I already knew. I was handed off to the supervisor, who also could do nothing for me except offer that I could email their appeals department and maybe get the decision changed. But that only has ~50% turn-around. This company is a crook. They took my money for 3 years, never anywhere in their policy do they say they won't cover a common traumatic knee injury as an "accident". They define illness as anything that isn't an accident, and then get to make the decision without transparency as to what they define as an accident. Then I have no power to talk with anyone in a supervisory role to make a better judgement on it. Cannot talk with the person that made the decision, have to continue to do all the work to get them to do their part of our contract, and likely will have to get an attorney at this point for any hopes of getting them to payout a legitimate claim I put in. Just beware this could be your experience with them too!

the worst thing is they didn't solve anything for me

They told us we could transfer the meds and now they aren't responding to us. We can only order through them for a ton of money.

I can't comment on cover as we never made a single claim. But their premium increases are pure theft. 16.5% increase in 1st year and then 28% in year 2.

Right about now I’m on the verge of canceling- i spoke With a very nice Dr about antibiotics for my dogs eye - the Dr acknowledged that and said ok - next thing you know i get A message from the help desk saying the pharmacy might not approve this - without a prescription- so we are giving you credilio which is a FLEA MEDICATION ?? Like what ?? I’m going to give them a chance to explain this but I’m pretty sure this is a scam site sorry to say i so Wanted it to be real

I got healthy paws when I first signed up with them 10 years ago for my that was eight weeks at the time. Unfortunately, he was diagnosed with the bladder stone that he couldn't pass and so we had to have surgery. In order to have surgery you need to have a preop exam where they found a heart murmur. Because I had I insurance I had him evaluated by a cardiologist who diagnosed dilated cardiomyopathy. While he is on a lot of medication after the diagnosis his monthly bill was $58 it went to 85 and then it went to one 158.00 which seemed reasonable because I have been a policyholder with them for 10 years. I got a notification from healthy paws in June apprising me that the monthly premium for him was going to go up from $158 a month to $237 a month. And, significant amount of time had not passed from the 158 monthly amount to the 237 monthly amount.When I contacted them they couldn't give me a straight answer as to why such a significant jump in the monthly payments despite his medication and regimen not changing. The customer service representative could not really give me a straight answer and and eventually admitted that there are no regulations, statutes, or case law that prevents them from raising premiums without a cap. When I press a little more about those the customer service representative felt inclined to hang up on me. Well I have considered lowering from 90% coverage with a $250 deductible to 70% coverage and $1000 deductible. But in thinking about their significant Price increases without having a cap, I worry that if I lower the coverage they could just bring it back up to the $237 and then I have lower coverage because I cannot you can go down here to make matters worse, six month old puppy I had for six months and the premium started at $32. I've had a little over a year and it has increased to $48 and she has not even met her deductible. Nor has she filed a claim. I'm giving this review three stars because I used to be amazing with quick reimbursement but over the years they're pricing creases are deplorable and their custom service is no better.

My only issue with the insurance is that you get an email stating that your pets policy has been cancelled without your knowledge. When you actually speak with an agent and was told that the co-owner cancelled it, and they have every right to do so. Well, I asked my husband and told me that he didn't. First off he isn't computer literate, he has me go over his emails with him and has me delete, or respond to the emails for him. Secondly, he never received an email from ASPCA regarding the policy. Thirdly, I'm the one who pays the monthly premiums. Last but not least, I never added him has co-owner on the policy. The agent I spoke with assured me that she put in a reinstatement, effective November 8, 2024. She swore to me, assured me that all has been taken care of and that there will not be a problem. Low and behold, ASPCA is advising me that I would have to reapply after being with them for over five years with my current pet, and an additional 5/6 years with my previous pet.

Reply from Figo Pet Insurance

I had a video visit with a vet scheduled and waited 25 minutes, no show. Yea on my account it says video visit completed.

This is regarding claim from October 2023. The claim was denied repeatedly due to need for medical records from the vet clinic. The clinic sent records (wrong date as it turns out) but the follow up communication from the insurer was totally inadequate to resolve. Very frustrating.