Figo | Pet Insurance Review

Adopted my poodle mix at around age 3. Got Figo coverage (Ultimate Plan, 200 deducible, 90% coverage, no lifetime max, no wellness coverage) for $400. Never made a single claim and my dog never had a single health issue. After 1 year, when he turned 4, the first renewal, they raised my rate to $660!!!!!! I called and complained, they said "we had to correct our rates to bring them in line with competitors". Out of curiosity, I went online and got a quote for the same coverage and it was $500. Clearly Figo does not at all care current customers and just suckers you in with good intro rates then jacks up their prices. It was a shame because I really was into their tech forward business model.

We were covered by FIGO from July 2017 until July 2018. Prior to coverage effect we took our kitten to our vet for her first check-up and she was found healthy. We submitted the records to FIGO as required. During the first several months, they refused every claim for our 4 month old kitten asserting everything was a "pre-existing condition". By October 2017 I was fed-up, so I sent them a strongly worded letter where I explained in part: "Every insurance contract has an unwritten, invisible, or implied term referred to as the covenant or promise of good faith and fair dealing. This is a promise imposed by law upon an insurance company to always act fairly towards its insured in handling their claims…In my estimation the apparent failure to investigate my claims leading to the unwarranted denial of said claims is gross mismanagement needling dangerously close to the appearance of bad faith insurance practices." I then threatened to report them to our State Department of Insurance. After this, they paid my claims and I never heard from them again. They always paid every claim. (Suspicious action in my estimation. I believe they didn't want to have someone investigating their practices.) Now, here at the end of July (2018), it is time to renew our policy. They decided to increase our premium by 100 percent for an otherwise healthy 1 year old cat. They further did this with zero transparency. They sent an email out in June explaining "some states could potentially see a rate increase". They gave no information as to which states would see an increase or by what amount. They instructed us to log-in and see if we would be effected. We did and we were not. 3 weeks later, we still were not effected. Then today, when payment for the next year would be due, we found they increased the rate 100 percent. We are SO disgusted by this company and advise you strongly to avoid it like the plague!

Unfortunately, I needed to submit claims for my new puppy. The claims were settled quickly and as expected. So far so good :)

Highly recommend Figo Pet Insurance!

Opened a claim for my pup Samson, and Figo was very quick to respond. Their customer support team is great - very helpful. I would totally recommend them for pet insurance.