Figo | Pet Insurance Review

I have an Australian Shepherd. Anyone who has owned this breed knows they are High Strung and anxious, oops don't say that word because Figo will use the owners words to decline your claim because it was pre-existing. At first they declined me because of a medication the vet gave for keeping him calm after surgery and said it was used for another reason. Vet wrote them a letter saying that was not correct. Then they declined because of a note of a word I used. I am not a vet and it was a word I would use on any Aussie. I told them they should not insure a breed that they do not understand or intend on ever covering a claim. They will look for any reason to not accept your claim. I will appeal again but low expectations. I will be pulling my three pets out of Figo and going to another insurance company. Waste of money!!! I reached out Figo support many times on the phone and via email. The last they claim that because I was quoted in vet notes as using the word anxious, could have been afraid, that I diagnosed my dog with anxiety. Even though my prior vet sent a letter stating he was not diagnosed with anxiety. Figo claims I diagnosed him and that word counts as pre-existing condition. When talking with your vet ask them not to quote you in their notes and be careful with your words, they will be used against you! Going on second appeal.

Nothing covers for us

First time using it for a wellness check, pleased with the outcome

My experience with the company so far, I have been very satisfied. When I called to ask some questions, they were very helpful.

Solid pet insurance. The claims process has always been easy and claim payments occur quickly with direct deposit into my account. The only thing I would like to see improved is the wellness benefits. It would be great to have a set amount per year that can be used on any wellness services, the exam fee and vaccination benefits don't even cover 1/2 of the out-of-pocket costs while other benefits will never be utilized.