Figo | Pet Insurance Review

With my dog needing TPLO surgery, FIGO has been filling the claims pretty quickly....one within a couple hours of submission. Been recommending FIGO to any new dog owner I see on the street when walking my dog.

I got Figo a year ago for my mixed breed dog to cover accidents and any illnesses that might come up. The premium for the essentials insurance was a solid deal and felt that you couldn't go wrong. I ended up having to hospitalize my dog and have treatment done in November. After filing the claim, I found out that they were experiencing significant delays in processing claims. After about six weeks, I was reimbursed (80%, minus deductible). I planned to let the policy run through its end date and start searching around and comparing rates and plans. Turns out that Figo auto-renewed the policy using an old credit card—but my policy had more than doubled in cost. There's no way to turn off auto-renew in your online profile. Come on, Figo, if you're going to make a large charge on peoples' cards, at least give them advance notice.

After much research, we chose Figo as our insurance company. They state that any acute condition that has been successfully treated and resolved is coverable under their policy. Our dog has had some stomach problems - he occasionally had had Gastroenteritis (an acute, curable condition). Shortly after we obtained the policy, he had an episode if Gastroenteritis with loose stools and stomach tenderness. Our claims were left to languish for weeks. Only when I called to inquire, did they inform me that they needed more medical documentation from a previous vet. The documents had been in my pet cloud the whole time, but had been "overlooked". Repeat cycle, with them asking for more documentation from current vet three times, but not being specific enough so I could actually submit what they needed to get my claim processed and no communication until I called to ask why the claim wasn't being paid. Finally, after 3 cycles of this, I was informed that stomach issues would never be covered because his sporadic acute Gastroenteritis was a "pre-existing condition". All of the employees I talked to were pleasant a d helpful, but the claims process and denial of anything that your pet has ever had an issue with makes it worthless fir all but young pets. I have also been hearing about outrageous price increases at policy renewal. Garbage coverage.

Complete waste of money. Did my homework and thought I had found the best insurance available for my pup. Called to confirm that his sensitive tummy would not be considered a pre-existing condition. He had never been diagnosed with a chronic condition, just bouts of diarrhea and vommiting that he completely recovered from. Was assured that this was not a pre-existing condition. Fast forward 3 months and I submitted a claim for 2 vet visits, one fir blood work and one with abdominal x-rays. Was given the run around for weeks. The claim would languish with no communication. When I called to see what was going on, they would tell me that they needed more documentation. The first time, the info was actually already in the pet cloud, but they "overlooked" it. Three more repeats of this cycle (no communication, me calling, them asking for more information, me supplying the info) ensured. Finally, a determination was received from the company that no stomach issues would ever be covered for my dog as his stomach issues were a pre-existing condition. All staff members that I delat with were pleasant and helpful, but in the end, a garbage product and untruthful business practices make the insurance worthless to those with dogs who have any history of medical issues. Also have heard of outrageous premium increases after the first year. Steer clear.

Best decision I have ever made. The never thought I would need pet insurance but did some research and found Figo. Figo was affordable and I figured better be safe than sorry. Little did I know less than a year after getting the insurance my dog would start having major health problems. Figo has been wonderful. Claims have all been paid quickly. If I have had questions or concerns the staff at Figo has been terrific to deal with.