Figo | Pet Insurance Review

I like that I have something for emergencies and the flexible plans. I wish it was more transparent and up front with the Power Ups, I probably will not be renewing my wellness power up after this year. I also wish we were given a date for when we would be reimbursed so I could budget better.

Checked around at other insurance companies for pets and contacted my veterinarian who recommended three different ones. We picked Figo.

I got Figo pet Insurance for my 4 dogs. After almost getting through their waiting period my dog got a lump on her leg...it was not there prior to getting the insurance. Sure enough cancer..not sure what kind cuz it cost 500 to get it checked out. I was 14 days from it being covered and they denied it. I ended up after 3-4 mos having to put her down. In the meantime I decided to cancel all policies for my 4 dogs. It is now 31 BUSINESS days and still no refund. I have called several times to check on it and always told it is being refunded...I have asked to talk to supervisor a few times...always NO ONE is available...and always told someone will call back but NO ONE calls back...and NO REFUND AND NO HEALTH CARE when my dog really needed it. Don't waste your money. Set it aside in an account and if something happens you'll have it. I found other reviews --- too late--- on reddit and other places saying this company will take your money but not give you the health care you pets deserve. Find someone else!

I’m very disappointed in how little they actually cover especially given that I upgraded with add ons like wellness—I’ve spent well over 600 dollars (just to keep in mind that I did sign her up as a 12 week old very healthy puppy) and did all the standard vaccinations / exams and Figo only reimbursed me 45 dollars. That’s it. I work in insurance and employer/ee benefits and I’ll never recommend this to my groups. The app is easy to use.

I'm very impressed with Figo. They have been responsive and no issues with submitting claims for our French Bulldog for our first year. We are very pleased with their customer service and hope to keep them for years to come. We have it place mainly for major issues, in case they pop up (not for wellness items like shots or exams, although they did offer that as an option, which we opted out of). So far it's been very great experience. We plan to renew and keep it in place. They did offer a bit of a discount with our Costco membership (something for others to look into). It is worth the money for our peace of mind and overall wellness of our pup :)