Figo | Pet Insurance Review

Getting exactly what I expected I got the 14k annual coverage. Deductible of $250 with 80% coverage on bills. I so far have unfortunately had to submit 4 claims since getting my puppy. Claim submittal is extremely easy. After the claim is processed they give a document outlining the breakdown of the claim amount: show what amount goes toward deductible, what I pay for the coinsurance, and then what Figo paid out on the claim. Figo reaches out to the vet for any questions and so far I've had nothing extra to do on my claims apart from submitting them. I have surpassed my deductible for the year and now any claims I submit I get 80% reimbursed for. It helps ease my mind I have coverage for my dog and not have to worry about breaking the bank when something happens to him. When I have any questions it's been easy to call during their business hours and talk to a person about my concerns. The only thing that is missing that would put Figo at a 10 would be a wellness plan especially on puppies. First year of owning a dog and being responsible with them is quite expensive. Having a wellness plan would help mitigate these expenses. They could do a 2 year contract or something to help balance the costs. Overall, Figo is great pet insurance. While they are admittedly my only experience with Pet insurance I haven't been disappointed with them at all.

I was happy with the two claims we submitted this last year, however I had to drop Figo as our rates DOUBLED. I can understand that rates will increase every year, but to double the rates was troubling to me. Is this a bait and switch? I am very disappointed.h

This is the easiest most wonderful insurance experience I have ever had. The website is super simple to use and the staff at Figo are very helpful. Figo is an honest company that really wants to help. I wish human insurance was this reliable.

Filling the claim was quick and easy. I called Figo and people helped me in a very nice and professional manner, they answered all my questions.

The process to file a claim was relatively easy. The claim was closed in two days and money was electronically sent and deposited in my bank account in three days.