Figo | Pet Insurance Review

I experienced the same frustrations and failures of service that many, many, many other customers have experienced with Figo Pet Insurance. It is amazing to me that, having had so many complaints about the same issues, over and over again, Figo continues to act in a purposefully misleading manner and continues to fail in providing customer service. First, “pre-existing condition” seems to mean “your pet was alive when you got this insurance” and they simply flat out refuse to cover any medical issues at all. I have attempted to make 3 completely justified claims, all clearly allowed by my policy, and Figo has given the same reason for denying my claim all three times: not allowed due to a “pre-existing condition.” The key example is that my dog had to have two teeth removed, $1,300 for each tooth, for a total of $2,600 in fees. My insurance has a $1,000 deductible, so I was assuming I would get $1,600 back. I submitted my claim and, within a few hours, received my rejection due to “pre-existing condition.” Figo indicated that a vet examination (WHILE my dog was covered by insurance) identified a fracture on ONE of the teeth, but not the other. IF I am willing to accept that this one tooth wasn’t covered (due to the vet identifying a “likely carnassial fracture,” even though my dog was still covered by insurance), then the other cracked tooth SHOULD be covered since it was NOT identified by the vet during the previous exam. Yep, you guessed it, Figo rejected my claim for BOTH teeth, citing the vet report. Basically, my dog was not covered for ANY dental emergency of any kind because he had ONE problem with ONE tooth previously. An absolute joke, and a clear case of fraud. After multiple attempts at communication with Figo customer service, they essentially just copied and pasted the same response back to me…ie… “pre-existing condition, pre-existing condition.” FIGO insurance will make every attempt to refuse a payout if they can and will use “pre-existing condition” as the excuse. This insurance is a complete waste of money; not only am I out the money for my pet’s treatment, I am also out the premiums for this 100% useless pet insurance. Read the reviews online carefully and you will see the complaint over and over again. FIGO pet insurance does NOT payout, they look for any reason to claim “pre-existing condition” and then reject your claim.

Quick to process claims and send check. Policy are easy to understand

Complete bait and switch company. My pup injured her eye playing for the 1st time. It was not a genetic condition whatsoever. Figo denied the claim even though I had an eye surgeon confirm it was due to an injury in WRITING! Claim was denied even when contested they paid ZERO dollars. Cost me over $8k out of pocket not including after care. I was so distraught I didn’t cancel. Later my dog hurt her leg as she was getting up in the years at 13. It wasn’t a huge bill but around $1000 in care and meds. Claim denied! Why do I have insurance?! I had top tier insurance I was paying for all 3 of my dogs. I was spending nearly $400 a month for several years. I would’ve been better off depositing that money in a high yield savings account! I just now got around to writing a review. Wish I had made time sooner to hopefully save you so you don’t make the same mistake I did and lose thousands of dollars!

Figo Pet Insurance is so upfront and easy to use. So quick in processing claims

Very simple to use!! A wonderful pet insurance to have!!