Figo | Pet Insurance Review

It took 5 days and a supervisor request to read an email.

I had this policy for 3 years without filing a single claim, and then all of a sudden my premium doubled. When I contacted the company to cancel the policy, they refused to issue a full refund. Go with the pet insurance that your vet recommends. Figo is just a scam.

I year after I purchased my policy, my dog was diagnosed with IVDD and required surgery. Figo approved and reimbursed physical therapy, acupuncture and x-rays related to the suspected IVDD/ neurological condition- which would indicate to anyone that this is approved. They then denied expensive MRI and surgery (Totaling almost $13,000) as they said it was a preexisting condition. They have run me around requiring more information from my vet, signed letters from the surgeon, the list goes on. I have now had to appeal the claim - yet they will not provide an exact reason for denial until after the appeal is closed. THE MOST ETHICAL COMPANY IVE EVER DEALT WITH. Not to mention they customer service is a joke. Telling me they would personally track my claim, only to never respond and tell me later they were out on PTO while they were supposed to be handling my paperwork that was requested to be received urgently from my vet.

My dog had cancer- 2 years following multiple sedated x-rays, lots of tests and 3 surgeries+ the round of radiation and she is fine. lots of worrying,lots of no sleep but the one thing I never had to think about was insurance! They have been great. I am grateful that not too long ago I decided to insure the dogs and this one was older, so of course more expensive. Yes there are deductibles and 90% coverage but this is exactly what I wanted- Catastrophic coverage. Boy was this catastrophic. At first , every time I filed a claim I was nervous. I shouldn't have been. My dog is good now and it is mostly due due to insurance from FIGO.

Ease of contacting an agent to help with filing the claim