I was directed to Covered through a moving concierge program. I spent almost 2 hours on the phone with the first agent, while he checked for both auto and home insurance for our move from FL to GA. He quoted me a great price on both policies using Progressive, and then said he'd be back in touch on 3/12/24 to firm things up. He never called back. I called them and got a different agent, who put all the items together that the first agent had, and then asked for our home inspection report. He sent that to Progressive and they rejected us for home insurance. That report was for us to negotiate a better deal on this house. It's an old house and has had a couple of leaks that were repaired at the time and never a problem again. I called Traveler's immediately and got great policies on both home and auto - no inspection report requested. I spent well over 4 hours with agents from Covered and got only more worry and dread.

I put a claim in for my puppy because she injured her paw and it was denied. The date was last year.

They find many and varied reasons not to pay. I don’t even send in claims because I get so upset when they wiggle out. This is illegal with humans but going on in full force with pet insurance. It is a scam to drain your wallet with fancy suggestions that someday something may go wrong that they may consider paying. I am considering dropping it all together. Having difficulty figuring out why I pay, except I want everything customary for my pup.

Reply from Figo Pet Insurance

DR is very friendly and knows what she is telling about

Reply from Figo Pet Insurance

Very confusing. Your breakdown of what is covered is confusing. I thought the breakdown is what I pay, not the maximum you'll pay in a year.

We tried two separate pet insurances when we got our beagle puppies in 2012 (Trupanion) and 2014 (HealthyPaws). I am based in Texas. Today, we pay $127 a month for Trupanion (for the older dog) and $208 a month for Healthy Paws. Our recent premium increased $80 per month this year "due to our zip code" which apparently isn't impacted at Trupanion. I've considered dropping coverage but with my dog's age now, it would be very difficult to start over elsewhere. Ironically, I went with Healthy Paws on a friend's recommendation. She also regrets Healthy Paws and went through a different insurance provider (Nationwide Pet Insurance) when they recently got a puppy. It's beyond frustrating (and unethical) what they do to their customers. LOOK ELSEWHERE!

No negative issues.

Minimal coverage. The only reason I keep the policy open is my fear of something terribly expensive happening to my dog.