Figo | Pet Insurance Review

I loved Figo at first. They had very affordable rates and great coverage- I bought plans for all of my pets. As time went on and their underwriters got bought out, the premiums went up astronomically, and continue to do so every year. I had to drop coverage on all but one of my pets (he's special needs), but on the remaining plan, I'm paying a fortune for terrible coverage because I can't afford the coverage I'd like to have for my pet. Not to mention, I can't go to another company because my pet's conditions will be considered preexisting. I trusted Figo with my pet's coverage, and they seriously let me down. The rate goes up by $30 a month every year like clockwork, and to cover anything, they want an absurd amount of records, including records that they already have from previous claims. Figo is just a joke anymore.

Easy to contact someone and questions cheerfully answered. Claim process is very user friendly

Some challenges with the app. And some policy limitations. But excellent customer service and very responsive.

Figo has been great with helping me take care of my English bulldog! Every claim I’ve filed has been paid out, and it has always been quick.

Our puppy had a severe, life-threatening infection in August. We submitted $6000 of invoices, with full documentation. We received a reply to send them every ER visit, lab results, and regular Veterinary visits he had ever had (regardless if related or not). We confirmed they had the correct contact info for our vet, and confirmed that all records were available from them. Then nothing. I checked online today. They claim is closed. No payout. No contact, explanation, or communication from Figo. Be afraid. I am a (human) doctor and deal with insurance companies every day. This is not how they should work. Don't expect to get your money from Figo. Or an explanation. Or anything other than an excuse to not pay you. If they communicate with you at all.