Figo | Pet Insurance Review

I had a problem submitting a claim, and it told me to call. I called and they said to leave a message and they would get back to me. They did not. And it’s not the first time where they’ve asked you to leave a message and they don’t call you back. Submitting claims is confusing and it doesn’t give you full information. I received a reply on this site about calling them. I called. I got put on hold for at least 10 minutes so I hung up. I called back. I got an explanation on my benefits however, I did not get an explanation as to why no one ever calls back. The excuse was there was a holiday. That was only one of the four days. I have another call into them right now to speak to a supervisor. They need to make changes to their customer service.

Nice that after a claim free year, my deductible is lowered.

Settling claims with Figo feels like leaving things to chance. While their marketing and support teams shine with a solid 5-star rating, the experience with the claim department tells a different tale. In an unregulated realm of insurance, Figo seems to exploit the lack of oversight by crafting policies with vague language. The claim department operates on a subjective basis, free to approve or deny based on unclear criteria. For instance, the policy vaguely excludes "pre-existing conditions" without offering a proper definition. Most would assume "pre-existing" refers to ongoing issues or those present at policy inception, not something your pet was cured of in the past. Figo's agents appear more focused on delving into your pet's medical history, searching for any past ailment that could be loosely connected to the current issue, even if they're unrelated. Unless you enjoy simply paying premiums, exploring alternatives might be a wise move.

Easiness of filing claim information & paperwork.

It’s definitely worth having Figo Pet Insurance. Coordinate carefully with your veterinarians about sending in the records so that doesn’t delay the processing of your claim.