Figo | Pet Insurance Review

Claims are confusing in the system. They duplicate and combine services even if they are in a different invoice. There are items that insurance does not cover even if they are related to an illness like Veterinary Exam Fees for cancer, so it is a surprise that more money is coming out of my pocket. First claims took weeks to get processed because it was missing a little information that could be resolved very easily if I knew what they wanted. They do not respond to emails when questions are asked. The two representatives that I have talked to are very helpful, but it looks like the system answers for them (they are working from home) and I can hear the family conversations for a few minutes before they answer the call. With a $10,000 coverage, 20% co-pay, and after the $500 deductible, I'm still paid about $4,000 out of my pocket for the first year not going over the $10,000 coverage.

I think wellness benefits should be higher. $50 for immunizations is not enough. Overall most things are not covered high enough. Prices have increased for vets substantially.

Claims process is easy to navigate and Figo always responds in a timely fashion.

I like how easy it is to make a claim. The virtual assistant makes it easy. We are going to give it another year and decide if the cost is worth it. With everything not being covered the out of pocket cost may not balance out.

I have not needed to use the insurance and have not needed to call