Figo | Pet Insurance Review

I purchased the policy with Figo for my healthy 3-months-old puppy; Included wellness benefits (preventative) in the coverage. a) Figo only covered a very limited amount for the vaccinations and wellness exam that I specifically chose to pay the premium for ($165 out of $548.84). b) When I took Charlie to be examined for a few skin issues that I thought could've been problematic (after the waiting period was over!!!), Figo found a way to not cover it because I told the doctor that they appeared 4-5 days ago, and 5 days was apparently prior to the end of the waiting period. The fact that I said 4-5 AND that I waited to take him to the vet AFTER the waiting period was over didn't matter, I guess. c) But the last drop was the denial of half of the charges for the diarrhea appointment. To deny the coverage for the test for parasites while the puppy is having such severe diarrhea is absurd! And the medication the vet prescribed was not "medicated" enough, it was too "natural" for Figo, so they didn’t cover it as well. I refuse to give my business to the insurance company that has no care for animals and only cares for their bottom line.

Very easy to work with and submit a claim.

Figo representatives are professional and handled our vet statements expediently. Website is easy to use and they respond immediately. So glad to opted to choose them as our insurance carrier for our Melody.

Zero stars if possible!! Do NOT get this insurance!! They give you a hard time to process your claim! They do not coordinate with each other’s department, sent the documents required (which Was also sent via the pet cloud app) numerous emails both from me and the vet clinic and still want it to be resend, only to paid a very minute of what i have claimed! They will deny whatever they can deny! It’s better just saving a portion on your own money rather than paying their premiums! They will make you beg for your claim! What a joke! Oh the prescription from costco, none of that they will pay! Don’t be fooled!

Without Figo, my cat wouldn’t be alive. She was diagnosed with a fairly rare chronic illness. It requires a lot of maintenance that adds up fast. I wouldn’t have been able to afford it, but thanks to Figo, and I truly can’t express my gratitude enough, she gets the treatment she needs for the quality of life she deserves. There were a couple of times things were erroneously denied, but Figo did a great job of taking information from the vet, and correcting those denials. I feel that says a lot about the company too. They fixed what needed to be fixed. Again, they have my eternal gratitude.