Figo | Pet Insurance Review

I would have given Figo 5 stars if I were doing the rating when I had just started with them more than a year ago and even during the periods in between when I needed an answer to a question. Very prompt, very friendly. I told people that Figo was the company to make a paradigm shift in the business of pet insurance. Then earlier this year, with NO notice, they increased my premium by 50%. So a $100/month became $150/month just like that. Then I filed my first claim, which I did clarify was a covered item. Ever since filing the claim 2 weeks ago, it has been absolute silence. No answers to my phone calls, email, nothing. Then all of a sudden today I get an automated email saying my monthly premium payment wasn't made and so the policy would cancel at the end of the month. The timing of this is very suspicious because I have been on autopay since I started last year and nothing has changed about the payment method. I am not sure at this point if I should clear up whatever is going on, make sure the payment goes through and wait for the claim to be paid....or just cut my losses at this time and cancel the policy. It's sad to see a promising company just be another insurance company after people's money...especially those that are getting it for their beloved pets.

My Labrador puppy was facing life saving surgery. It had to be done at an emergency hospital so it was going to be very expensive. Even though I was scared to death, I took out a CareCredit loan that I really couldn't afford, to pay for the surgery. I kept praying that FIGO was reputable and would pay as promised in my contract and not find a "loop-hole" like some insurance companies do. FIGO came through. They paid everything but my deductible. I am very glad I have FIGO pet insurance for my dogs. Thank you FIGO!!

I'm very grateful to have found this company. Alex and everyone else that I've spoken with have been very helpful, kind, supportive, knowledgeable and efficient. So far, so good! Alex, you're a gem.

I had previously used VPI and then Pet Plan USA for 2 other pets situations. Both rarely paid out, if at all. Always having some loophole excuse not to pay. - Really happy I changed to Figo. They have been both quick and responsive. I needed to use Care Credit for my current dog's (Cody) Cancer. Figo reimbursed me the same week I got my first Care Credit bill. - When I called with a question, I left a voicemail and they called back within 2-4 minutes. Everyone I have spoken with seems very compassionate and never seemed to be just quoting me the written corporate line... as most other pet insurance companies tend to do.

I switched from 24 pet watch to Figo only because 24 pet watch more than doubled my premium. I never had any trouble with 24 pet watch. After I switched over I requested a chart review. There are no preexisting conditions for my cats as far as I know, but I wanted to be sure. My cats are now 5.5 years old. Weeks later a vet tech from Figo replied saying that she had to check with underwriting regarding diarrhea that one of my cats had when she was 6 months old. I responded that that issue was associated with long term antibiotics use when her WBC were elevated. It has been resolved since end of 2012, and every annual physical and fecal exam at the same vet showed no further notes of diarrhea or loose stool. I even requested them to expedite it because if they still see it as a pre-existing condition I still had a little time to renew with 24PetWatch. Weeks later the vet tech wrote back underwriting deemed it a pre-existing condition, just because the vet used the word “chronic” during the 2 months when she had diarrhea, completely ignoring the subsequent 5 years free of diarrhea. 2 months out of 6-8 month old is chronic, I agree, but 2 months with a 5 year break from symptoms? Really? My vet wrote me a letter explaining my cat does not have diarrhea. He even called the vet tech I was talking to ask them what proof they need. While the vet tech showed understanding of the situation, she explained it was underwriting that had the final say. The best thing she could do was to attach the letter to my policy. So yea I suppose underwriting are just bots looking for words like ‘chronic’ or ‘latent’ or ‘dorment’ in the chart that those conditions automatically become a preexisting condition. Apparently they lack the ability to reason. 5 years in a cat is like 1/3 to 1/4 of their average life span.