Figo | Pet Insurance Review

I am so ashamed of myself for signing up for this pet insurance. I have been paying on my policy for almost a year. I needed to file a claim for my cat as she was throwing up. I took her to the vet hospital they really did not find anything wrong with her. They did give her some medicine as they felt she may be having a problem with defecating. My cat had this problem around 3 years ago but the vet did not find anything that was causing this. She said she may have eaten something that caused this. Of course, when I submitted my claim to FIGO they denied it as they stated that this was a precondition that was not covered. My total vet bill was $932. I agreed to the additional testing as I thought I was covered under this insurance plan. Big mistake!!!! When I called the lady would not provide me the legal address to provide to my attorney nor would she provide me anyone else to speak with. She stated that she was the only person in the office. I asked to speak with her manager and of course, they were not available. This is a typical insurance response when they do not want to payout. She kept tel me that they do payout for services and recently paid a $20,000 claim. HA HA HA, what was that the one claim for the year and this has been added to your script to defuse customers? Cats get sick and mine does about every 6 months or so but it passes. Their response was as follows: "Cat has a history of intermittent vomiting and constipation over the last 2 years. She has episodes about every 6 months where she will be straining to defecate and will produce either nothing or large dry fecal balls. She always vomits and cries during the days when she is sick. Chronic intermittent vomiting, constipation, anorexia, +/- diarrhea" But this is not covered as they consider this as a precondition prior to taking out my policy. Again, they have no intention of paying anything out and they expect their payment every month on time. Think the only way you could get a claim is that it has to be a newborn with no problems and then maybe they will payout something but like most insurance companies they will find a loophole. Please I beg you not to make the same mistake I did. I am so ashamed and embarrassed I allowed myself to be taken advantage of. Follow up on their reply: please see how they act like they care but as you can tell this is a typical insurance companies response. They all try to act so concerned but really they just want that monthly premium. Please don’t be fooled by their response. Save your money and go with a different company. I have learned my lesson that’s for sure.

I recommend FIGO to everyone I know and several folks have signed up with them. Their coverage and usability makes them the best pet insurance in my eyes. And their customer service is absolutely wonderful the few times I've needed top contact. Im incredibly grateful for FIGO and the support I get for my furrbabies.

Everything is fine

I cannot complain. Easy to submit receipts and quick to respond. If you call, they are courteous and friendly. The deductibles increased for 2020-2021 but they are covering more..

After 13 years of pet ownership without pet insurance, my cat's cancer diagnoses wiped out my vet bill savings fund and prompted me to get insurance for my dog, Roxie. Oh, what a blessing it has been, and Figo's customer service has been stellar. Claims are incredibly easy and normally paid within 3 days. They are a bit pricier than other companies I researched, but the customer service I've received more than makes up for it. I have recommended Figo to many friends and family members, and I will continue to do so.