Figo | Pet Insurance Review

Easy claim submission process

I was disappointed that my dog was bite by a snake or stung by a wasp. She had to be rushed to the veterinarian. Figo would not pay any portion of the visit. Or provide an explanation of why a percentage was not paid.

You could say it's my own fault for not reading the fine print closely enough, but so far it's turned out that virtually everything that has befallen my dog since getting this insurance has fallen under one of the many exclusions written into the policy. So unless your pet gets hit by a bus, be prepared for your claim to get rejected. Read the fine print carefully before buying, as painful as it is to do that.

Processed my claim so fast

I am confident that the people at Figo do not care at all about our pets. In about a year of coverage, they have denied every single claim, stating each occasion for our visit to the vet is due to preexisting conditions (we made a really regrettable choice of switching to Figo from Healthy Paws because Costco was partnered with them and we trust Costco). They stick to the fine print with religious zeal, going so far as to say that a nail injury to a dog (injured when he slipped on the icy sidewalk) is on the same paw as a blister that he'd had 4 years ago so that somehow is a preexisting condition. I am quite certain that if a dog choked on a ball and we had to take them to the vet, they would say "well, he has allergies so this is a preexisting condition because it deals with his air passage". Put simply, Figo looks like a great deal because their premiums are lower than a lot of their competition, but they can afford to keep their premiums low because rarely do they every pay out. If they were a person and my neighbor, I would not trust them to watch my child, even for a minute.