Figo | Pet Insurance Review

After doing a tremendous amount of research regarding pet insurance, I ultimately chose Figo because of the coverage they "purported" to provide, and because they were backed by Costco. I purchased 3 policies for 3 separate pets, one of which was for a brand new puppy we obtained from a top reputable breeder. Just prior to that puppies 1 year birthday, he came down with horrible diarrhea, lethargy and wouldn't eat. I took him to the vet who diagnosed him accordingly (nothing too serious), and provided appropriate prescriptions. I then submitted the claim to Figo. To my shock, Figo immediately rejected my claim, on the basis that the diarrhea was a "pre-existing condition." Huh?? First, how is diarrhea a "pre-existing" condition? Second, even if it was the symptom of some "pre existing" condition, what possible "pre-existing" condition could a full-bred Golden-Retriever puppy have that would cause diarrhea? I had provided all of our puppies documents, vaccine records, and medical clearances when I submitted the claim. On top of that, I provided the name and phone number of the breeder in case they had any questions. Furious with this decision, I appealed the decision. Figo responded that because I had not provided medical documents with SOAP notes, any condition my dog had within the first 12 months of the policy was considered "pre existing." I then resubmitted all of my dog's paperwork. Suddenly, it was sufficient; they reversed their appeal and applied costs to my deductible. "Ok," you say, "you got what you were entitled to." Well, the story isn't over. When I looked at the EOB to review what had been applied, it was pennies on the dollar. They didn't give me credit for 80-90% of what I paid for my dog's appointment, tests, etc. One excuse code after another. What a joke. I'd stay away. Do your research and read other reviews on Figo. I'm not alone.

Every excuse to NOT pay your claim. In the past, we had much better experience w/ Nationwide's pet health coverage for a pet that has since passed away. The claims department at Figo make every excuse to deny your claims. They will drag your claim out over the course of several months, suggest that you appeal an unjust denial, and then deny it again. Even the Figo phone rep agreed that their policy sets the customer up to fail and defies veterinary science. I highly recommend going with Nationwide pet coverage over Figo. We had a much better experience with them with one of our now deceased pets. Nationwide paid out claims promptly and without the painful experience that we have experienced with Figo.

My insurance at the 1 year mark went from $75 to $120. I did not need to use the insurance as of when prices increased. Pretty disappointing to see that they reel you in with an affordable rate and as soon as you pass the holding period, rates jump. They also do not offer discounts for veterinary students (or any veterinary professional). Edit: generic replies don’t get you brownie points. I already reached out and was told “it’s based on the local cost of services, not insurance usage.” I work at the pet hospital, I know prices didn’t increase during that time.

Excellent customer service. Claims paid quickly. Website easy to use.

The vet was helpful in narrowing down the problem with my dog. However, I did take him to emergency against her recommendation because he was so miserable. She was right and it was his anal gland, but it had ruptured, and he needed pain relief.