Figo | Pet Insurance Review

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

My newly adopted Staffy mix contracted a terrible allergic reaction from a bout of fleas she had prior to adoption. She ended up bitting so badly that she broke the skin in and a few areas. After several tests and two (vet visits later) she was diagnosed with an extreme allergy which came with several medications and a super (not) fun cone. Shoot to a week later, she contracted tape worm which lead to another trip to the vet and more medications. Thank god for FIGO! Through everything they were fast, compassionate, communicative, and thorough. Immediately after I filed a claim through the super convenient app, they were on top of everything, updating me along the way. Their team was so friendly and genuinely cared about how my Poppy was doing. They even sent a get well soon postcard to her! I recommend them to all of my friends with pets! We love FIGO!

They were friendly and easy to work with!

I opted for Figo because of the straightforward coverage, online claims, and customizable plans. I chose a moderate deductible and high (90%) reimbursement rate when I was setting up my plan. My monthly payment is less than my phone bill and has been well worth it. Since adopting my 4-year-old bulldog/pug mix, Guff, I've unfortunately had to file a few claims with Figo. First, he snorted a foxtail. Most recently, he had some vomiting that required a trip to the ER. I was most grateful to have Figo, however, when Guff's vet noticed potentially damaged teeth. It turns out the little guy needed six extractions! About a third of the visit wasn't covered because it was considered routine dental care (like cleaning, which I knew is not part of my plan), but I was still reimbursed almost $900 on a $1400+ bill. So I was still very happy to have them! Filing paperless claims through the Pet Cloud is very easy—my vet emails my invoices straight to my Figo account—and when I have questions, Figo customer service is friendly and responsive. All of my claims have been processed in a very timely fashion. Having Figo has given me great peace of mind because I don't have to worry about being able to afford getting Guff care when he needs it.

Our puppy had to have a lump removed. It was easy to submit the claim and FIGO was super fast to reimburse the money. The check was here before Chimo's stitches were removed. So far I am super happy with FIGO!