Figo | Pet Insurance Review

Even though they claim that they are direct pay. All sites show that checked... BEWARE because their loophole is thy say it is done on a case by case basis.. Don't waste your time looking for that statement in their advertising because it is not there!!! Very misleading and very deceitful!!

Everyone there has always treAted me with Care and kindness

We initially loved Figo, especially because we insured our cat later in life, and not a lot of pet insurance companies offer decent pet insurance when the pets are older. Figo (or at least our policy) was originally underwritten by Markel. When they were bought out by Independence America (last year or two), they literally tripled our premium at the renewal date, and substantially reduced the benefits and also created a huge spike in our deductible. Plus, the customer service during that transition was very uneducated and not very helpful. Of course, now we can’t switch due to several conditions which would be considered pre-existing to another company. That alone was very disappointing. But then, they became incredibly focused on scrutinizing each claim to find a reason to not pay it. Any loophole they can find, they leverage it. I have had to appeal two separate claims and even with letters from our veterinarian, indicating why the treatment fell under my policy's terms, they don't budge - or budge very minutely, but not enough to really make a difference. I'm not sure they're even honoring their appeal process, as they're supposed to get an independent veterinarian involved, and I've received no assessments from another vet. Also, some of the terms make no sense. For example, they don't cover oral surgery, at all - even if it's due to an illness or disease. Our cat has an oral mass that needed to be removed and in order to remove the mass, they had to remove the tooth. Figo decided not to cover the entire surgery because they claim that it was oral surgery to do a tooth extraction. They said they would only cover it, if it was an accident/injury - not an illness. But the main reason that we get pet insurance is to cover illness, diseases, etc. This simply doesn't make sense to me. And now, they are not paying things that they had paid a few months ago (still same policy year). It's super sad and discouraging to pour so much into premiums and deductibles, only to find them constantly finding loopholes to not pay the claims. We have Healthy Paws for our other 3 creatures - literally Thank God. HP is the absolute best pet insurance company, and are very generous in their claim reviews and payments, and take their customers at their word, placing a high value on customer care / service. If you're going to invest in pet insurance, skip Figo, for sure. Choose Healthy Paws

Firstly, I want to say that I wish I had researched any bad reviews years ago before I ever signed up with FIGO. It seems that others are in the same boat as I am! I have been a loyal customer of FIGO for approximately 4-5 years now. I have NEVER needed to use the insurance however, I continually paid my monthly premium on auto-pay (by now, thousands of dollars total). I initially went with them because one always worries about getting coverage for pre-existing conditions whether it be minor or major and they seem to have stated they had a good policy with regards to considering a pre-existing condition something that has happened within the last 18 months. Well, for the first time in a while, I had to bring my cat to the vet as he had a small lump on his jawline... I wound up spending a little over $400 however, I was glad to know in the back of my mind that I had EXPENSIVE coverage for Koby's medical needs. Guess what? They only paid my visit fee and denied everything else(did not pay it really, it went toward my exorbitant yearly deductible)!!!! First of all, it even states on the explanation of benefits that, "Any illness or other condition that first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition within 18 months prior to the pet policy effective date or prior to the expiration of any applicable waiting period"... Ok, I called customer service, maybe this was a mistake. I asked for an explanation and the rep confirmed that Koby had a lump on his lip back in 2013 so it is considered pre-existing.. wait a minute, what is the whole thing about the 18 months prior to starting an insurance policy with them? (2013 was over 2-3 years before I ever signed up with FIGO!).. I was told basically, read the fine print in our policy.. Ok, not only this but in 2013 he was brought to the vet for a swollen ball on the tip of his lip (allergic reaction to his food bowl - plastic).. as soon as we changed his bowl to metal, it went away and never came back. Now in 2020, he had a lump on the side of his jawbone and it will not be covered. This just sounds too funny to me. Every year, your premium goes up and goes up quite a bit at that. Like I said, I have paid A LOT in the past few years each month to ensure I have coverage for my cat. WHAT A WASTE OF MONEY!!!!!! I could have literally put that money away each month as if I were contributing to an emergency vet fund for any vet bills I would need to pay in the future and I would have been completely fine. It is so sad to see that they can easily take your money every month, increase your monthly premium each year, and then deny your claims and pay close to NOTHING. This is not the first time they have disappointed me however. Obviously, I was upset about the increases in monthly prices each year but whatever, you cannot do anything about that especially if you want to ensure your pet has coverage (or so you think they would anyway), but I was grandfathered into 100% reimbursement along with a $200 deductible. Well, this recent and current policy, I was raised to a $500 deductible and unable to keep my $200 one.. It is very clear that they do not care much about your pet or about your financial situations/the reason why you prefer to pay for coverage. Again, I am really saddened to know my money that I worked so hard for is wasted and gone, for nothing. I had to pay the entire bill and the little sixty something exam fee they did cover, it went toward my big $500 deductible anyway (LOL!). Please - take this from someone who has been with FIGO for years, paid tons of money in premiums and NEVER used them within that time period up until this year....SAVE YOUR MONEY AND YOUR ENERGY!!! Put away some money every month (or every paycheck) toward an emergency vet fund for yourself (as if you were paying a monthly premium, only to yourself). This way, when you have a vet bill to pay, you will have this money already saved. Another option, get CARE CREDIT.. You never want to invest in something that you will forever be uncertain about. I pay for FIGO insurance and I get close to nothing in return from them. Absolutely terrible.. still in shock that I am at a loss. I really did have high hopes for this company and their services but I must have been sadly mistaken. Just to reiterate : SAVE YOUR TIME and YOUR MONEY.

Claims can be terribly expensive. This gives us peace of mind if anything should happen.