Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/21/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought Pet Insurance from FIGO on 3.11.24, but my initial claim for reimbursement was rejected. The denial was due to my submission falling within a 14-day waiting period for preexisting conditions, with an ear infection being deemed as such. I communicated with FIGO twice regarding their denial, and both times they insisted that the preexisting condition justified the denial. While I accepted that the ear infection shouldn't be covered, they also declined to reimburse the exam fee, which should have been covered by the exam rider I had purchased alongside the policy. The rider was supposed to cover health and wellness visits, which this was, so the exam fee should have been included. ****'s argument was that once an illness was identified, the visit was no longer considered a health and wellness exam and therefore not eligible for coverage. This practice of altering the nature of the exam based on the outcome is prohibited in human medical insurance for obvious reasons and should be the same in this instance. Due to the denial, I decided to cancel the policy, yet **** refuses to refund the full premium, despite their failure to adhere to the policy conditions and my having had the policy for only about 10 days.Attached is the vet bill outlining the Office Exam Fee and ****'s policy, which makes no mention of the office visit being able to be redefined based on outcome.

  Business Response

  Date: 04/04/2024

  Re: Complaint No.: 21468674
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by ********************* with your office. We have responded to **************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

  Customer Answer

  Date: 04/06/2024

   
  Complaint: 21468674
  
  I am rejecting this response because:

  FIGO keeps insisting that the claim was rejected because of preexisting conditions that were identified inside the 14 day waiting period for illness. I'm not disputing this. What I am disputing is that they refused to cover the Wellness exam fee. The Wellness exam is a requirement and the fee associated with it should be covered regardless of what if found during the exam. When I called FIGO to discuss this, I was informed by *************************** (Customer Experience Supervisor) that once an existing conditions was found it was no longer considered a Wellness exam and the fee would also not be covered. This is unethical and not allowed in human healthcare. At this point I only see this being satisfactorily resolved by FIGO reimbursing me for the exam fee. 

  
  Sincerely,
  
  *********************

  Business Response

  Date: 04/10/2024

  Re: Complaint No.: 21468674
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the follow up complaint filed by ********************* with your office. Thank you for the opportunity to respond to their concerns. We empathize with the frustration felt by the consumer and regret to hear that the experience was less than positive. We have responded to **************** directly as we are prohibited by law from releasing personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

• Initial Complaint

  Date:02/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I requested a transparency report by email on 11/30. I emailed back twice asking for the status and was told it could take up to 30 days. I contacted someone again on 1/29, and was told it was just then going to be worked on because they are short staffed and it could be another 30 days. I should have received this report 30 business days from 11/30. It is now 2/27 and I still havent received the report. For a company that advertises this service, they seem terrible at fulfilling promises in an appropriate amount of time.

  Business Response

  Date: 03/12/2024

  Re: Complaint No.: 21359616
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by *********************** with your office. We have responded to ****************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

  Business Response

  Date: 03/12/2024

  Re: Complaint No.: 21359616
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by *********************** with your office. We have responded to ****************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

• Initial Complaint

  Date:02/16/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 2/4/2024, I had to take my cat to emergency care because he had not eaten, urinated or had a bowel movement in 36 hours. My cat was not diagnosed at emergency care. Cake was given subcutaneous fluids to counteract the dehydration, and he had an ultrasound and blood test to ensure respectively, that he was not experiencing a blockage or had diabetes. Since **** was not in crisis, and those two major concerns were eliminated, he was released without a diagnosis or prescription. There was no blood panel, X-ray nor were ***** and urine specimens taken. In addition, I was not given a diagnosis or course of treatment. This was emergency care to ensure that Cake was not in immediate danger of a blockage.The next morning I took my cat to our current vet. He was diagnosed with a urinary tract infection for which he was given antibiotics. Constipation was a by-product of the urinary tract infection, for which Cake received care, it was NOT the condition. My cat Cake has never been diagnosed with a condition of constipation, and he has not received ongoing treatment for constipation. This is not a chronic condition, and it seems outlandish that because my previous vet in 2020 gave my cat a laxative, my claims for his urinary tract infection were denied.

  Business Response

  Date: 02/28/2024

  Re:Complaint No.: 21306434
  
  Dear Better Business Bureau:
  
  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter.  We are in receipt of the complaint filed by ********************************* with your office. We have responded to ****************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  
  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision,limitation or defense provided for under the Policy and/or applicable law.  
  
  If anything further is required, we are happy to assist.  Thank you for the opportunity to respond to this matter.
  
  Sincerely,
  
  Figo Pet Insurance 

• Initial Complaint

  Date:02/14/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The customer service is terrible. Can sit on hold for ever .The app you use to put in a claim freezes and when you get something BACK CANT SEE CLAIM SND HOW IT WAS PROCESSED .they used to be good but in the last 6 month went down hill.Everyone is sitting in there house and you hear babies crying , dogs barking And construction work being done. Not professional at all. They all should be in a office so something gets done.

  Business Response

  Date: 02/28/2024

  Re:Complaint No.: 21293743
  
  Dear Better Business Bureau:
  
  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter.  We are in receipt of the complaint filed by *********************** with your office. We have responded to *********************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  
  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision,limitation or defense provided for under the Policy and/or applicable law.  
  
  If anything further is required, we are happy to assist.  Thank you for the opportunity to respond to this matter.
  
  Sincerely,
  
  Figo Pet Insurance 

  Business Response

  Date: 02/28/2024

  Re:Complaint No.: 21293743
  
  Dear Better Business Bureau:
  
  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter.  We are in receipt of the complaint filed by *********************** with your office. We have responded to *********************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  
  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision,limitation or defense provided for under the Policy and/or applicable law.  
  
  If anything further is required, we are happy to assist.  Thank you for the opportunity to respond to this matter.
  
  Sincerely,
  
  Figo Pet Insurance 

• Initial Complaint

  Date:01/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** has repeatedly denied claims on my pet insurance policy when an illness or injury occurred after the policy effective date in November 2023. In particular, Claim 24FP0007825 was for a cough developed in January ****, and Claim 23FP0219023 was for an injury and infection that arose in December 2023. I have already attempted to resolve this with Figo support without success.

  Business Response

  Date: 02/13/2024

  Re: Complaint No.: 21223489
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by ***************************** with your office. We have responded to ***************************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

• Initial Complaint

  Date:01/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  With incorrect refusal information, Figo pet insurance refuses to do its due diligent as an insurance company in reimburse and respond in a timely manner. They incorrectly declined my claim under the false reasoning of it not falling under the coverage time, while it actually does.

  Business Response

  Date: 02/06/2024

  Re: Complaint No.: 21190260
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by ******************* with your office. We have responded to ************ directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

• Initial Complaint

  Date:01/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im filing a complaint about Figo Pet Insurance as they have denied a claim in bad faith. On January 3, ****, I submitted a claim for my dog **** because he had a urinary tract infection. Note that he does not have a diagnosed pre-existing condition that would lead to urinary tract infections. Like gastrointestinal upset, these things can occur during a pets life and are not a preexisting condition. The company reviewed and approved that claim and the amount went toward my deductible and co-pay on my account. **** was required by his vet to have a follow-up appointment to make sure the infection cleared. On January 22, ****, I submitted the claim for that appointment and it was immediately denied in what I believe to be bad faith. The stated denial reason is that this issue did not take place in the policy period or not after the initial waiting period. Both of those reasons are false. Also, this was a follow-up appointment to an appointment that was already covered. I reached out by phone, text, and email to the company to have this re-evaluated with no luck. Finally, I was able to reach someone by text who was extremely rude and short with me. They said the only way to appeal this would be to get a letter from my veterinarian stating why this shouldnt have been denied. This is unacceptable in my opinion. If Figo made an error, it is on them to resolve it, not my veterinarian! I just think they dont want to pay claims and they are making it as difficult as possible. Both of these claims should be eligible and approved. The customer service is terrible. ******* you should not work with this horrible company. Others: do not insure with them!

  Business Response

  Date: 02/06/2024

  Re: Complaint No.: 21188848
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by ********************************* with your office. We have responded to ************************ directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

• Initial Complaint

  Date:01/14/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 5, 2023 I bought a pet accident and illness coverage policy FPI30000160500 for my cat ********. I paid the full year amount in a single payment ($305.28) for a coverage period of 6/05/23 until 6/05/24. I chose the company Figo Pet Insurance, whose insurer is Independence American Insurance *** after visiting my local ****** store, which is a reputable business. ****** was somehow sponsoring Figo Pet Insurance and therefore my trust on this Pet Insurance company. Some time later in the year, my ******** got sick and I had to take her to the vet on several occasions. I incurred in unexpected high expenses and I decided to send the vet invoices to Fitgo Pet Insurance. Much time passed without hearing from them. I attempted several phone calls without anybody answering the phone. Actually, the company doesn't seem to have any current or concrete contact information anywhere to be found.Sadly, my precious ******** passed away due to her illnesses on December 26, 2023. As soon as I could, I attempted to let Fitgo Pet Insurance know about this event, but again it was an ordeal to get to talk to somebody. After multiple attempts, I received an emal from them stating that they will only refund me the remainder (unused) amount of the policy, this is $134.32 which I completely disagree with. Fitgo never paid for any of ********'s visits to the vet nor her medicines and specialized meals, and neither did Fitgo supply any money for ********'s final expenses (burial and so.) I expect Fitgo Pet Insurance to cover all or most of my expenses for the care and well-being of ******** as well as for her passing, according to the Accident and Illness insurance I paid for.

  Business Response

  Date: 01/29/2024

  Re: Complaint No.: 21144901
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by *************************** with your office. We have responded to ******************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

• Initial Complaint

  Date:01/04/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased insurance for my pet in April 2023. Established with a vet later that month. Completed ortho waiver. When my dog was under for dental in early May, x-rays were taken of hips / stifles. Submitted a claim, which was denied mid-May. Appealed the denail, with supporting documentation from the vet, in June. Two subsequent denials did not address the claim. A third denial did finally address the claim in September, but the reason given was in direct contradiction to the initial denial.

  Business Response

  Date: 01/18/2024

  Re: Complaint No.: 21099538
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by *************************** with your office. We have responded to ******************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

  Customer Answer

  Date: 01/18/2024

   
  Complaint: 21099538
  
  I am rejecting this response because I have not received any communication from *************** as requested regarding this issue. I have placed numerous phone calls over the last five weeks, and have been told a manager handling escalations will be in touch, yet no one has reached out. This is tied with my request for a refund (which is a separate yet related issue).
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 01/25/2024

  Re: Complaint No.: 21099538
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the follow up complaint filed by *************************** with your office. We have responded to ******************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance

  Customer Answer

  Date: 01/25/2024

   
  Complaint: 21099538
  
  I am rejecting this response because there is no actual response attached. I am still waiting on the pro-rated refund I was told I could receive dated to mid-September.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:01/02/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased FIGO Pet Insurance and I was told that it was in effect 12/10/23. I had to take pet to vet on that day and she was critically ill and had to be put to sleep on 12/12/23. They are now telling me that it was not in effect and they owe me nothing. Tried to submit claim via website, email and fax and was denied. This is truly unfair practice on their part and I want my money back. Minus the $250 deductable

  Business Response

  Date: 01/16/2024

  Re: Complaint No.: 21086705
  

  Dear Better Business Bureau:
  

  Figo Pet Insurance (Figo) is responding on behalf of Independence American Insurance Company (the Carrier) to the above-captioned matter. We are in receipt of the complaint filed by ***************************** with your office. We have responded to ******************** directly as we are prohibited by federal law from releasing this requested personal information without a signed release.
  

  Please be advised that the information contained herein is meant to be responsive to your inquiry. It is not meant to constitute or be construed as a waiver of any other defense available to the Carrier. The Carrier expressly reserves all rights to assert any provision, limitation or defense provided for under the Policy and/or applicable law.
  

  If anything further is required, we are happy to assist. Thank you for the opportunity to respond to this matter.
  

  Sincerely,
  Figo Pet Insurance