Figo | Pet Insurance Review

This review regards signing up and speaking with Judy P. The sign up could not have been easier. I sent Muncie's health records instantly, paid for a year, added his picture and read the policy information from the cloud. I have already recommended this company to fellow dog owners (I literally signed up yesterday) because it was so easy and self explanatory and the price was fair for great insurance. I researched several pet insurance companies that "google" linked. Not nearly as good, even the ones with a bunch of reviews. Judy (phone customer service) was great, smart and to the point. She answered my questions regarding the tag I'll be receiving with Muncie's code number. This benefit is good because if Muncie runs away :( and someone finds him, they can use the code number and text me without giving private information...name, address and phone #. There are many benefits to using the cloud, storing all his information, reminders, folders where I can store any info about him. Plus, there are maps to dog parks in case we travel with him. It is easy to file a claim (hope never) but if I have to the process is so easy. I will get the word out in my community as I am connected to a "neighborhood" website that shares everything.

Figo has provided excellent service with an easy to submit claims process, timely communication, and quick reimbursement. All representatives that I've communicated with by e-mail and by telephone have been professional, courteous, and seem to genuinely care about the health of our dog. And they've even sent her get well cards! I realize it's part of their routine process, but that attention to detail with a human touch is much appreciated.

Figo has been great so far. My dog Marty had a bad case of GI issues and they sent him a personalized card in the mail hoping he was feeling better. It was such a nice touch. I think these small gestures really go a long way. He is feeling better now and his claim was processed very quickly!

My cat has been in and out of the vet's office the past few months with recurrent vomiting including a very scary episode where she aspirated some of the vomit and began choking. Figo has been great to work with--easy online claim submission, responsive customer service, and prompt reimbursement. They've even sent get well cards to my cat! This health issue came out of left field and I am so glad I bought pet insurance when I did. I highly recommend their service

Buckle up; this is a long one.Some years ago, we considered insurance coverage for our dog, but opted at the time not to purchase because it didn't make sense from a value standpoint, most particularly because the plans available then only seemed to pay what they felt like paying (a.k.a. usual and customary rates). More recently, with two dogs now, we felt it worth re-investigating the state of the offerings, and were happy to find that there are some more reasonable choices now. I'm posting here because a) I find value in what we discovered, and b) the concept of insurance works best when the risk is spread across many participants. Primary factors in our having chosen Figo -- even though they don't offer bovine coverage (that's cows, btw), which is fine because we don't have any of those: - Payment based on vet bill (vs usual and customary), reasoning is self explanatory; - Annual deductable (vs per incident), reasoning is that you don't want to start the clock over for each separate incident, and premiums should be lower with a per incident deductable, but they don’t seem to be; - Inclusion of exam fee (vs NOT), reasoning, it is part of the spend, so why don't others count this?! - Alternative treatments are covered (though I’m not expecting to use any); - No maximum lifetime payout; - Option to have no maximum annual payout (thought this option costs a little more); - Reasonable premium (competitive, relative to at-best comparable plans from other providers). Figo is new, so with that comes some newer thinking around old product. Namely, they’ve got a modernized wrapper around the claims filing process and document management -- all online via the pet cloud. I initially pooh pooh’d that, since it is just a set of online folders (is it for us or for them?), but having records all organized online is turning out to be nice, compared to paper folders in my file cabinet. And while we are relatively new customers, we’ve had positive experience so far. They’ve been accessible and responsive to suggestions; our first claim was processed (toward deductable) quickly and painlessly, and our patient got a nice get well card in the mail. We really purchased this for anything major that might come along, so we're happy with the peace of mind at a reasonable price. I'm giving Figo a rating of 10 so it gets placed where it should in the rankings, which are otherwise inflated. (There is always room for improvement, so nobody should really be gett