Figo | Pet Insurance Review

Really great company, reasonable policy costs, and fair in payouts for submitted claims

Figo has been great for us. They have covered all the vet expenses they promised to reimburse. The app and website work well. Sometimes claims take a number of weeks to process, but that does not really bother me. This is the first dog I have have ever had insurance for, and it has been well worth it.

Complete Scam. They advertise their pet insurance policies at a lower rate and then SKYROCKET the premium after one year. I was paying $36.97 a month starting on 4/20/17 and as soon as my coverage renewed on 3/20/18 they increased the premium to $69.93. THAT IS OVER 190% INCREASE. STAY AWAY. I NEVER SUBMITTED A CLAIM.

So far, Figo Pet Insurance worked great for me. My 9-month old Goldendoodle puppy is packed with energy so he gets sick or injured a lot. Thanks to Figo, I don't really have to worry about his vet bill. Just an upload away I can get all his bills paid! Definitely saved me a lot of $ considering how frequently we have to take him to the vet. They normally pay me back within 2 weeks, sometimes 1 week! I did have one claim that remained unresolved for over a month but after talking to a customer rep, that delay got fixed right away. So, fast response, fast pay, no copay after deductible, cost of office visits are covered. What else do you want from a pet insurance? Highly recommend!

I am a FIGO customer for nearly a year now. I'm transcribing below an e-mail/complaint I sent a week ago to their customer support, to which they didn't bother replying yet. I'll let you make your own judgement. 'I submitted claim # (XXX) under policy # (XXX) on January 27th 2018 for veterinary cost incurred on January 25th 2018. My claim was closed today (March 8th 2018) and was denied in its full amount. I understand that with any insurance policy there are exclusions. The reason for denying my claim was given as code 18: 'Denied due to specific exclusion in the policy terms and conditions'. I wanted to investigate further what were the specific exclusions in my policy that resulted in the denial of this claim. I therefore chatted with FIGO customer support. I was told that routine/preventive treatments are not covered, which I had read before in the FAQ section of FIGO's website. When I asked for documentation enumerating which treatments FIGO considers to be routine/preventive care, I learned, to my great surprise, that there was no such list. This is deeply unsettling (...) FIGO cannot simply say that routine/preventive care is not covered without specifically describing which treatments are considered routine/preventive. FIGO customers or even prospective customers have the right to know this information. By not sharing this information, FIGO can ultimately deny any claim by stating it pertains to routine/preventive care. The customer has no appealing power because he/she does not know what routine/preventive care really means. By omitting such apparently harmless information, FIGO is able to dictate the rules of any policy or claim as it wishes, leaving the customer completely powerless. This is a shameful strategy to extort premium payments from people without providing them with any transparency about the commercial agreement they sign off with FIGO. I would like to stress that my complaint is not about my claim (...) but about the general conduct of FIGO, revealing bad faith towards its clients.'