Figo | Pet Insurance Review

Original policy was issued 12/20/2022 and automatically renewed on 12/20/2023. My dog had tooth extraction on 12/20/2023. Claim denied on 1/9/2024 based on tooth extraction was within waiting period. However, waiting period only applies to original policy not renewal policies, Policy definitions #43 and Benefits section #5. Appeal promptly on 1/10/2024. Received only computer generated receipt stating I would be contacted. As of 1/18/2024, no response and no status indication in Pet Cloud. Called customer number simply to make sure the Appeal had been received. Customer support wanted all my credit card info including 16 digit number and date of expiration - THIS WAS NOT A BILLING ISSUE AND THIS WAS NOT THE ACCOUNTS DEPARTMENT. FIGO automatically bills my credit card every month with no issues. I declined giving such personal credit card identification to some customer support person who had absolutely no need for it simply to find out if my Appeal had been docketed.

I like Figo because is easy to submit claims and update my dog’s coverage. Every time I call I get someone in the phone as well. My only problem is that every time I submit a claim I always have to appeal as many of my dogs claims do not get pay and it takes more time and work to get them fix. Overall my experience has being ok but I feel it could be better.

Quick and responsive through the claim process

The claims procedure is soooo easy and fast.

I love the fact that my fur babies have insurance in case they need it with Fi. It is the most affordable. So far we have had to use the always there veterinarian text support. That is so worth it. My pups have gotten into and ate things they shouldn’t. I was able to get help immediately on what I needed to do. If you look online for vet online help it cost more than a one month premium payment just to ask a question. With Fi it is an included benefit!