Figo | Pet Insurance Review

I work for a very large health insurance company (for humans) and I can tell you if we operated like this the OIC would make like a dog’s rectal thermometer and get right up our butts. I will be contacting Wisconsin’s to see if they handle pet insurance issues. Our dog had a visit for some symptoms that seemed like allergy symptoms, but their persistence led the vet and us to believe there was something else going on, leading to a soft palette resection (in short, the soft palette had overgrown and was causing an esophageal blockage and sinus cavity blockage). Figo denied everything flat out stating that the allergies were a pre-existing condition…despite the fact that this ended up having nothing to do with allergies. I’ve filed an appeal and was told I’ll hear back within 90 days. He’s back today for more diagnostics because he continues to have underlying issues and I fully expect them to deny even though the underlying issues are clearly not allergy related. I should note that our other, older dog is also insured with them and has never had a claim. Obviously I’ll be cancelling these worthless policies.

The worst experience we've had with a service provider of any kind. The web site is set up to mislead you on your insurance choices and is not clear. Regular vet exams should not be the same as an emergency visit, but both are declined as being the same thing. The site is clunky and hard to navigate and don't expect claims to be settled in your favor. Save yourself our incredibly frustrating experience and don't waste your money here.

I have had this pet insurance for about 5 years. I understand that prices increase year over year, but I did not expect it to jump 60% or more for my pet. I had 2 pets enrolled and each of them increased over 60%. I did place a pretty price claim in this past year, so I bet they are trying to recuperate their expenses. I think this is AWFUL customer experience and therefor cancelled immediately. DO NOT TRUST INSURANCE COMPANIES! It is crazy to think that paying for my 2 dogs would be "almost" more expensive than having health insurance for my family of 5! Cheaper to pay out of pocket at this point "IF" something were to happen. With the insurance monthly cost, deductible + only 80% coverage, THIS IS NOT WORTH your money! Save it, invest it and you will win out in the long run. SCAM!

We have had Figo for our two dogs for almost 6 years. They are very quick to review and reimburse claims. Pet Cloud makes filling claims easy and quick. Customer phone support was helpful when I had questions about a cancer treatment that was recommended for one of our dogs. When they didn’t know the answer right away they investigated and called me back with the correct information.

Decent insurance that covers what you want - you get to build your own plan. Figo links to your checking account and they pay you back in a timely manner with easy to read EOB's. This is my third year with Figo and I highly recommend them for all your pet insurance needs!! Five stars!!!!