Figo | Pet Insurance Review

I have had a great experience with Figo Pet Insurance. They cover what they say they do and are usually quite fast on sending a reimbursement check. The premiums are reasonable when you think about what they cover. In the past after we moved states a couple of mistakes were made in changing my dogs to new policies when it was time to renew. Upon seeing the mistake I phoned Figo and the problem was resolved. I usually send a claim through my Figo app anytime we go to the vet even if I know it won’t be covered just to cover my basis. Plus the Figo app has my dogs records and it’s handy to have those on my phone.

I signed up for Figo in 2017 and up until recently had no complaints. I've never had to file a claim, I happily accepted the reasonable increase to my premium in 2018 for my "Senior" Dog when he turned 8, and even chose to increase my coverage in 2019 just to be on the safe the side! This week I received an email notifying me my policy was up for renewal, but because Figo has recently changed underwriters my monthly premium has TRIPLED, my deductible has DOUBLED, and my reimbursement amount has gone down by 20%. The email they sent even says they think the increase of over 50% is unacceptable, however they are willing to do NOTHING about it. It literally reads: "Since your upcoming policy will be underwritten by IAIC, not all coverages/plans or prices match exactly from your previous plan. However, your increase this year may exceed 50%, and we find this to be unacceptable. In order to make this transition easier for you and to find the best coverage available for a similar price with IAIC, we are providing you a recommended options" I had the unlimited plan, I paid a $48.44 a month premium, with a $500 Deductible and 90% Reimbursement. The new *RECOMMENDED* Plan comes with a $129.44 Monthly Premium, $1,000 Deductible, and 70% Reimbursement. ??? Seriously??? The best possible option you could come up with was to triple what I was paying before with less coverage? If that's the going rate for the market then that's fine, I have no problem paying a fair price for a decent product. But as a business it is your responsibility to come up with a long term strategy to increase over time and not make your customers feel like they are being taken advantage of. An increase of that significance should happen in small increments over time and not triple over night. I have emailed my request to cancel my policy immediately and already signed up with a new provider who I will be happily paying $110 a month for the same coverage I had before with Figo. It's not all about the money - It's about how you treat your customers. Enjoy the 3 years of pure profit you made on me. I will not recommend your company to anyone.

Figo had great deal but changed underwriters - and now price has doubled, and co-pays are higher. I can't change insurors as our dog has pre-existing condition. Customer service has always been very good.

I've been very satisfied with the way Figo has worked for us with our dog Georgia. I like the fact that the clinic files the claim immediately when I'm our the door, and I don't have to deal with it. The processing of the claim is always very quick. The one thing I don't like is wellness care isn't covered, and I have the top level of policy. But, all in all, I find this a great company to work with.

Very fast payback, great service, and awesome chat! I also LOVE the cloud! The thing I wish Figo could improve is that a case described as a pre-existing condition actually is not! Can you PLEASE write an article in the FAQ page or somewhere in the home page that clients could easily notice what it means for something to be a pre-existing condition? All of the ratings I reviewed with one star was related to the same issue! Otherwise, I love Figo pet insurance!