I made my first claim through Figo and wanted to describe the process for those that might find it helpful. **Overall Thoughts** Overall, I was pleased with my Figo experience and intend to renew my policy. Figo covered approximately what I expected it to cover based on my understanding of the policy document. I submitted three claims in total, one for each of the invoices I received from my vet. My claims were processed and paid in less than 1 week. The process of submitting my claims was straightforward and involved uploading invoices to the PetCloud mobile app. I was slightly surprised by the fact that out of pocket expenses reduced my deductible only up to my policy's reimbursement rate. For example, the first $100 in covered costs reduced my deductible by $90. This is different from my experience with human health insurance where 100% of out of pocket expenses count towards to the deductible, regardless of what your coinsurance rate is. **Policy** I pay a $477 annual premium with the Costco discount. My deductible is $1,500 with a 90% reimbursement rate and unlimited annual coverage. My dog is 3 years old and unspayed. The policy includes rehabilitation but not Vet Exam Fees, Extra Care Pack and Wellness - Plus. My policy has been active for just under 2 years. **Illness** My dog had bloody diarrhea, loss of appetite and lethargy on and off over the course of 2 weeks. Total treatment costs, including vet prescribed food totaled $2,540.35 of which Figo covered $317.82. The cause of her illness was never identified. **First vet visit** At my dog's initial vet visit, our vet did an exam ($130), prescribed my dog Metronidazole ($26) and tested my dog's stool for parasites ($86). Our vet also prescribed Trazodone ($20) to help with my dog's anxiety at subsequent vet visits. The Figo policy covered the Metronidazole and the Trazodone, but not the vet exam or the parasite test. I was slightly surprised that parasite test was not covered. The denial reason was "Costs or fees for treatments or preventative treatments for parasites or conditions related to parasites unless there is no preventive medication for the parasite..." Total charges: $262.10 Covered by policy: $46.10 Remaining deductible: $1,500 - (.9 \* 46.1) = $1,458.51 **Second vet visit** At my dog's second vet visit, our vet did another exam ($130), ordered blood work ($570) and recommended that my dog be hospitalized overnight for IV fluids and observation ($1,388). The vet also prescribed a 5 day course of Metronidazole ($20) and Pepcid ($20). Again, Figo did not cover the vet exam, but did cover everything else, save a $24 "medical waste" charge that was part of the hospital stay. Total charges: $2,128 Covered by policy: $1,973.70 Remaining deductible: $0 Paid by Figo: Covered costs - Remaining deductible = (.9 \* $1,973.70) - $1,458.51 = $317.82 **Prescription Food** The vet prescribed specialized GI food for my dog to eat after her release from the hospital ($150). I did not expect for Figo to cover this expense, as the policy document states that food is not covered. I submitted the claim anyway, on the off chance that it might be considered treatment for her illness. Figo denied the claim with the reason reason: "The policy does not provide coverage for food unless included in the Office Visit and Exam Fees Rider prescribed as the sole Treatment for an Illness"

I have a senior cat who just turned 14. I had him since 1 year, and always had Banfield, thinking that was the insurance. (To make me feel less bad, pet insurance wasn't a thing back then :( so please don't blame me too much.) My other cat who was 14, passed away recently, and all the bills left me in burden. So I heard about the insurance, and was trying to sign up for my other one, but I've also heard about insurance nightmare stories. I'm now really worried that they would just deny everything, saying it was a pre-existing condition. I would truly truly appreciate if there is a way to ensure coverage based on my current situation: * Everything is recorded in Banfield, where I took him regularly for his routine checkup since I brought him home. * My cat is chonky (24 lbs) * Already had asthma when I brought him as a kitten (but it wasn't severe and got better so no treatment was given) * Last October, the doctor said he has heart murmur 3/6 and put that in the note * They also noted he has a tartar on his teeth (would that make any dental related disease claim denied?) My biggest concern is the heart murmur... would they just deny everything heart related? Any tips and advice would truly be appreciated. Thank you so so much.

Our cat Miles was experiencing bleeding gums, bad breath and difficulty eating. We brought him to the vet and they thought he might have tooth reabsorption. They gave us an estimate for a dental and we submitted it to ASPCA. ASPCA approved it and we went ahead with the dental a week later. Dental was complete and ended up not being as bad at the vet thought and he ended up with a cleaning and no extractions. We submitted to ASPCA and the claim was denied. They are saying that it's a pre-existing condition because Miles went to the vet last June after getting into a house plant and the vet noticed gum inflammation from it. The vet gave him an anti inflammatory and notated in his October check up that his gums and teeth were in good condition-- in our minds, the inflammation from eating the plant was "cured." ASPCA will cover pre-existing conditions that have been cured for 180 days. The vet used the word "stomatitis" in the records during the June visit and that's why ASPCA is denying us. Because stomatitis isn't considered a curable condition. Our vet tried to reason with them but they won't budge. Our biggest disappointment is with the bait and switch-- when I called to ask why the estimate was approved and the claim was denied, despite them having his full medical records both times, they said they got "new information" in that week between the estimate and the procedure. Not sure how that could be because they had everything about him from vet for the estimate. Not a great start to our relationship with ASPCA.

Can someone help me with Lemonade pet insurance? My pet policy is 80% reimbursement, $250 deductible, $10,000 annual. My dog went to the vet to get a mass checked out and got bloodwork done. My plan doesn't cover exams or bloodwork. Cytology was $185 and fine needle aspiration was $40. In this case, the eligible cost that would go towards the deductible is the cytology exam and fine needle aspiration, which adds up to $225. I was under the impression Lemonade paid out 80% AFTER the deductible is met. But Lemonade just got back to me, and it shows that they covered 80% of the $225, which is $180. Which means I still have to pay $70 until my deductible is met, instead of $25. I thought the 80% was only for reimbursement after the deductible, not 80% coverage of the deductible. Is this how all pet insurance work?

We recently rescued a mastiff puppy. She came down with parvo but is on the road to recovery. I would like to get insurance for her but I am concerned that having parvo as a puppy is a recipe for getting denied for any claim going forward. It just seems like parvo is one of those illnesses that could count against anything that goes wrong in the future. I reached out to Lemonade and their response was very general and generic. Preexisting, reviewing history with any claim, etc, etc.

Full background: I have had both my dogs insured by Trupanion for several years now, both since they were pups. One will be 7 this November, and the other just turned 4. My premiums have gone from $126/mo in 2022 to what will now be $290/mo starting in June. So more than 2x increase in 2 years. Over the years I've had a few emergency vet visits (mostly from ingesting foreign substances) and filed claims. In total they've paid out about $4100. But now I'm just not sure it's worth it anymore. Changing insurance is probably out of the question for me given the number of past incidents that would probably be considered "pre-existing conditions" now. But paying $3480 a year (and probably will just increase more) feels completely ridiculous. Should I just cancel the policy and put the money toward a savings account instead? Or is the risk not worth it? My brain tells me cancel, but it feels like a decision I can't really walk back once I do it.

I enrolled my pup in Pet Best insurance last year, including the wellness coverage. I submitted a claim for a vaccination on April 19, along with the receipt and clinic record. It’s now been over two weeks, and the claim is still listed as "pending review" with no updates. I’m confused why it’s taking so long—wellness claims shouldn’t require checks for pre-existing conditions, and there’s no deductible involved. What exactly needs to be reviewed? Thankfully, it’s a small claim, but I can’t imagine the stress if it were a large expense. Has anyone else had a similar experience with Pet Best?

I just bought a SFH with an attached JADU and an ADU. When we get our insurance through AAA we asked for landlord insurance since we would be renting out the main House and JADU. We are living in the ADU. The agent put us down with coverage and told us this did not cover belongings in the rentals. I am confused about what kind of insurance he gave us since AAA called us back and told us we need to talk with a specialist for landlord insurance. We also have a 2M umbrella policy. What insurance should I be asking for exactly to get this correct?

I bought a almost new used camry and i almost got into a huge wreck this last weekend, pretty much I was fishing and this drunk idiot sideswiped my friends car with his boat while pushing his empty trailer nearly off the cliff towards the river, thankfully the hitch stayed locked in we were able to drive it to safety minus scratches either way they exchanged information. Afterwards, we were talking about it. I still owe almost 30k for my brand new camry even if I didn't notice who the driver was Would there be any way that gap would cover my car if it were to have fallen or got heavly damaged due to the small cliff? I.had previous vandalism to my car last year and it was a headache through insurance

I have $2500 in pip coverage and over $30k in medical bills. I’ve only gotten $900 in pip coverage. My lawyer said that is the offer from progressive. Why would I not get the full pip amount? I’ve also lost over $30k in income but my attorney won’t submit income loss.