Figo | Pet Insurance Review

Initial claim response (~8 months ago) was slow, but recent claim was very fast (~1 week). Company strives to be transparent with fees and app is pretty easy to use.

Rescued three strays at 8 weeks and insured them as a precaution. From ringworm to upper respiratory infection to spay site infection to tapeworm, I was amazed at the coverage Figo spanned. Now at 16 months old one needs hip surgery and it will be covered. If not for Figo I couldn't afford the surgery and would have had to put her down. They process the claims quickly and reimburse just as fast. I tell my vets office and everyone I can that if you think about pet insurance go with Figo. Best thing I ever did!

I've had my pup since March and Figo insurance since April. He's a good and generally healthy pup, but we have had to take him to the vet 3 times since getting the insurance. Each time, Figo has responded within 24 hours of receiving the claim. I really appreciate that the claims are broken down and each item is coded with the reason something has been or has not been included as a redeemable item. We were not surprised when a piece of a vet invoice denied - and that has only one piece of a vet visit. Otherwise, the 90/10 plan ($200 deductible) has already more than paid for itself.

I just joined Figo after hearing good things, but I have to say, my first experience with them has been pretty concerning and I'm considering changing to a different insurer already :( Figo offers to waive the 6 month waiting period on any knee injuries if your vet examines the knees and finds them healthy. So I had my vet have examine my dog, and he wrote on her chart that he had examined all 4 legs including the joints and soft tissues, there were no abnormalities or indication of any problem. I uploaded this via the (very user friendly) app, and notified the company that I had done so. They responded very quickly which was good, but I was told that the veterinarian was supposed to say he has examined her knees - so by saying that he had examined 4 legs and found them all healthy, I hadn't fulfilled the criteria to have the 6 month waiting period waived. I found it almost funny, how many legs do they think my dog has? Although this is an easy problem to fix, it's left me very concerned that there is no common sense approach and that if I ever have to make a claim I would risk having denied it based on loopholes and traps in the policy wording. If they are this particular when it comes to waiving a waiting period, how can I be sure they would make good on an actual claim?

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.