Figo | Pet Insurance Review

annual premium increased 38% ($135) after one year with zero claims for three year old healthy pet. no explanation provided. when i called to review the increase with agent, she could not provide anything specific, just pointed to the fact that "CA rates may be higher than other states...." agents are extremely nice and polite, but have had to call/email/follow-up somewhere between 5-10 times for the same question regarding why my declining deductible benefit was never reduced by $50 after the first year without any paid claims...still fighting to get this benefit... the final reveal that I have been scammed is that they declined over $1k in dental surgery costs my pet required for tooth extractions by referencing their policy that any sort of prior dental issue makes them not liable to pay for dental issues. Even if the event needing coverage is unrelated to the condition that was present during the waiting period. Meaning, because my pet had evidence of the grade 1 tarter (the lowest besides 0) during the waiting period they denied payment for her tooth extractions caused by periodontal disease. The vet even wrote a letter stating this disease was not present prior to her needing the extractions. My pet had regular and repeated exams that never revealed any issues or treatment plans for her teeth. Their fine print allows them to deny coverage because she had this minor issue and unrelated issue. What's the point of having insurance when you can find a way to weasel out of paying every claim? Will be changing to more reputable company.

Submitted my first claim, super easy and quick turnaround.

I have had another insurance company for more than 15 years. We just got a new puppy and decided to give Figo (through Costco) a try. So far, so good! I submitted a wellness claim from our first visit, and it was processed within hours of submission! It was a very easy process as well.

The company is awesome. Cant say enough good things about it. Helpful and great customer service.

Figo is great. It’s easy to submit a claim, and claims are reviewed/processed at a good pace. They had lots of customizable options for securing a plan within your budget. The ability to text with an e-vet is also a game changer. That feature alone has saved us lots of money by avoiding unnecessary visits to our local vet.