Skip to main content
PetInsuranceDenied
← All carriers

Carrier hub

Figo Pet Insurance — Appeal a Denied Claim

Figo gives policyholders 90 days from the claim denial to appeal. Email the appeal to [email protected] with an explanation of why you (or your vet) disagree with the decision and all supporting documentation. Email confirmation is issued upon receipt. Appeals may take up to 30 days to be reviewed. State-specific Insurer Disclosure pages exist on the State Documents and Sample Policies page.

Last verified 2026-05-06 · Verification pending — see citations below

Quick reference

Appeal channel

[email protected]

Portal: Sign in

1-844-738-3446

Appeal window

90 days from denial

Carrier response

~30 days

Underwriter

Independence American Insurance Company

What the appeal letter must include

  • •Claim number
  • •Policy number
  • •Explanation of why the policyholder or vet disagrees with the final decision
  • •All supporting documentation

Required attachments

  • •Vet medical records
  • •Vet's letter (if available)
  • •Prior medical history

Common denial reasons at Figo Pet Insurance

Based on the carrier's own policy language and consumer-complaint patterns. Pick the closest match for the cited reason in your denial letter.

Pre-existing condition

The carrier is saying your pet had this issue — or showed signs of it — before they started insuring you. Whether they're right depends on what your vet records actually show, when the first symptoms appeared, and how the carrier defines 'pre-existing' in your specific policy.

Bilateral condition

The carrier is treating one knee's prior surgery (or one ear's prior infection) as evidence that your pet is predisposed to the same problem on the OTHER side — and refusing to cover the second side. This is the most aggressive use of the pre-existing rule and one of the most fightable.

Hereditary / genetic

The carrier is saying this condition is genetic and not their problem. Whether they're right depends on what your specific policy says: most current carriers cover hereditary conditions, sometimes by default, sometimes via rider. Older policies were stricter.

External escalation

Figo's State Documents and Sample Policies page surfaces state-specific Insurer Disclosure of Important Policy Provisions. Consult your state DOI directly for complaint procedures.

Find your state insurance commissioner →

Sources

We use Google Analytics to understand which carrier hubs and denial-reason pillars are most useful. We never log the specific inputs you put into the Appeal Letter Generator — that runs entirely in your browser. Read our privacy policy.