Figo | Pet Insurance Review

I've had this insurance for over 4 years. In January, the price went up 235%. I have never filed a claim before, but have been attempting to in the last few months, as my dog recently got Cushing's Disease. It is impossible to file. Despite sending them reams of documents, they still say it isn't enough. Don't buy this - I've given them hundreds of dollars for absolutely no results, and now I can't get insurance for this costly disease anywhere else as it is an existing condition. They are all very polite, but it is still impossible to get any claim filed. Do not buy from this company.

Worst experience I have ever had with an insurance company, and that includes auto insurance which is saying something. Paid my premiums for a year, COVID-19 pandemic hit and I get notification that my premiums are increasing by over $6/mo and my benefits are being decreased substantially. Annual benefit decreased by $4k most notably. Went back and forth with customer service who didn’t listen to what I was saying and just regurgitated prepared statements. Then, proceeded to blame their underwriters. When that failed they blamed my state, and told me to reach out to state policy makers because it was their fault. When the rest of the country is looking out for each other and lending a helping hand to their neighbors Figo raised premiums, slashed benefits and blamed everyone but themselves. Please think about that before you give your business to a company charged with helping your family through difficult times.

Worst experience I have ever had with an insurance company, and that includes auto insurance which is saying something. Paid my premiums for a year, COVID-19 pandemic hit and I get notification that my premiums are increasing by over $6/mo and my benefits are being decreased substantially. Annual benefit decreased by $4k most notably. Went back and forth with customer service who didn’t listen to what I was saying and just regurgitated prepared statements. Then, proceeded to blame their underwriters. When that failed they blamed my state, and told me to reach out to state policy makers because it was their fault. When the rest of the country is looking out for each other and lending a helping hand to their neighbors Figo raised premiums, slashed benefits and blamed everyone but themselves. Please think about that before you give your business to a company charged with helping your family through difficult times.

Quick to process and easy to file but they have gotten way too expensive here in Illinois. Unfortunately once you’ve signed up you can’t change due to any pre existing conditions. They do pay and I won’t be without pet insurance for my beloved goldens.

Super disappointed with their coverage. I selected the ultimate plan and didn't find out until I filed a claim that it doesn't cover vet visits. I pay $17/month and only got $32.50 toward my deductible on a $150 vet bill. I also can't add appointment coverage until I renew my plan next year. They also don't cover parasites although my cat already had them when I adopted him. Their customer service team won't budge and take a long time to respond, even in live chats.