Figo | Pet Insurance Review

Impossible to get a claim paid. This insurance company is a scam. They claim pet's illness was prior to the end of the waiting period and it is not. DO NOT BUY THIS INSURANCE!!! I trusted them because of Costco and I will be complaining to Costco. They just take your premium and pay out nothing. I can't hate on them enough. One star is too much for this scam company. Edit for Figo's reply. I chatted and called, and I kept getting the same canned answer and I was pushed off to sending an email to the "appeals" department. Based on the other reviews I know that would be a colossal waste of time. Honestly, the policy has covered every possible reason not to pay claims. If my dog got hit by a car there's probably a paragraph that says: "your pet rode in a car in the last 5 years so this is pre-existing" or "the accident happened while Venus was in retrograde, and Jupiter was rising therefore the injuries are not covered". I made sure the policy won't renew in October and I'm shopping around for an ethical company that doesn't rip off its customers.

Easy to use. No hassles. Does what they say will do.

My policy automatically renewed and was automatically charged. But the premium charge increased more than 50%.

It is good to know we have FIGO as a backup. We have been in situations where it was very costly for pets' medical bills without insurance. Pet medical costs can be equivalent to human medical expenses. We haven't used our benefits yet so we will hopefully never have to find out what will be covered.

After doing a tremendous amount of research regarding pet insurance, I ultimately chose Figo because of the coverage they "purported" to provide, and because they were backed by Costco. I purchased 3 policies for 3 separate pets, one of which was for a brand new puppy we obtained from a top reputable breeder. Just prior to that puppies 1 year birthday, he came down with horrible diarrhea, lethargy and wouldn't eat. I took him to the vet who diagnosed him accordingly (nothing too serious), and provided appropriate prescriptions. I then submitted the claim to Figo. To my shock, Figo immediately rejected my claim, on the basis that the diarrhea was a "pre-existing condition." Huh?? First, how is diarrhea a "pre-existing" condition? Second, even if it was the symptom of some "pre existing" condition, what possible "pre-existing" condition could a full-bred Golden-Retriever puppy have that would cause diarrhea? I had provided all of our puppies documents, vaccine records, and medical clearances when I submitted the claim. On top of that, I provided the name and phone number of the breeder in case they had any questions. Furious with this decision, I appealed the decision. Figo responded that because I had not provided medical documents with SOAP notes, any condition my dog had within the first 12 months of the policy was considered "pre existing." I then resubmitted all of my dog's paperwork. Suddenly, it was sufficient; they reversed their appeal and applied costs to my deductible. "Ok," you say, "you got what you were entitled to." Well, the story isn't over. When I looked at the EOB to review what had been applied, it was pennies on the dollar. They didn't give me credit for 80-90% of what I paid for my dog's appointment, tests, etc. One excuse code after another. What a joke. I'd stay away. Do your research and read other reviews on Figo. I'm not alone.