Figo | Pet Insurance Review

I have been with Figo Pet Insurance 5 months. The dog was taken to an emergency vet center on a Sunday when vomiting started after 2 days of liquid diarrhea and refusal to eat. He was admitted to their ICU and was severely dehydrated. The staff was able to stabilize his condition but was not able to determine the cause of his problem. The bill was $7838.58. The claim was submitted after supplying a very long list of accompanying documents including a copy of the complete file and doctor’s notes from the emergency center as well as the records and past history from his normal vet. Ten days later they rejected the claim as "pre-existing conditions". The ICU vet indicated in documents that they could not determine the cause with any degree of certainty or assurance. The dog was put to sleep a week after leaving the ICU. It took Figo 10 days to come up with pre-existing conditions. My advice is to look harder and elsewhere if you are searching for a trust worthy pet insurer. Take a moment to read the insincere and duplicate Figo responses to the 1 star reviews if you need help deciding.

My claim for the treatment of a bladder infection of our cat was not reimbursed by Figo, referring to a comment in his file that, according to me and our vet, has no causal link with bladder infection whatsoever. Our cat developed a bladder infection 5 weeks after taking out the insurance, so in essence Figo's suggestion is that I would purposefully have registered our cat while he already had a bladder infection, and then let him walk around with it for 1½ months, just to be able to declare the invoice? What an annoying and also disrespectful insinuation..... It now appears that our cat is not insured for a whole series of conditions as a result. If I had known this in advance, I would never have insured my cat with Figo. I therefore believe that Figo's registration procedure is seriously inadequate and places a disproportionate amount of responsibility on the policyholder. I registered a 100% healthy animal in good faith, and Figo is looking for a reason in the file to avoid a claim. It would be fairer for Figo to give a person who applies the claim the option to have the file reviewed, so that any exclusions are clear in advance. Because of this omission, I am now paying a year's premium for a cat that is barely insured. Even after filing a formal complaint, Figo does not say a word about the inadequate registration procedure and does not move an inch towards a lenient treatment. Very disappointing! My advice is therefore to have Figo assess the file of an older animal with a file at the vet first, to avoid any nasty surprises later on.

I’ve had figo for approximately 9’years now. They have allowed for me to provide outstanding care in supporting my dog through his battles with irritable bowel disease, behavior issues and more. Because of figo, we’ve been able to work with a team of vet experts (nutrition, internal medicine, vet behaviorist) to provide him a quality of life that would not have otherwise been possible. While I wish I didn’t need to see the vet as much as we do, I am eternally grateful to figo for being there to support us every step of the way.

Claim process was easy, FIGO reviewed the claims promptly and payment was also very prompt.

TOTAL SCAM! Horrible service- look elsewhere. They rarely pay out on claims, if they do its a very small amount and oftentimes find reasons to not count payments towards your deductible. My dog has IVDD and this insurance policy (Secured when he was a puppy long before any problems) has been next to useless. I have wasted thousands paying on this policy monthly that they have DOUBLED since he started having medical issues. Also, I work in the field of online reputation and it's so blatantly obvious which reviews on this site are "fed" i.e, they specifically invite the few who have good experiences via email to write a review. Don't trust those, and notice how they only reply to /address positive reviews.