Figo | Pet Insurance Review

This company basically uses any reason to deny a claim. Every time we make an illness related claim, they will say it was due to something preventable by vaccine so they are not liable to pay. We took our aussie puppy to the vet because she seemed to have a slight cough and throat irritation. The vet said she likely has allergies and asked us to use benadryl to alleviate the symptoms. He also prescribed an anti-biotic because she is a puppy, and out of an abundance of caution, in case there was an upper respiratory infection. No where in the medical record did he mention it was kennel cough. But Figo denied the claim. They made their own diagnosis, ignoring the vet, and said it is kennel cough. They won't pay for Kennel cough because it is preventable by a vaccine. Out vet did not recommend the vaccine at our puppy's age just yet (since she is going through the course of parvo vaccines). Figo claims that we rejected giving her the vaccine which is false. Don't get this insurance, and definitely don't get their wellness package. It pretends to be cheaper than the others but they don't pay for any claim. What a total scam!

Thank goodness, we haven’t had a need to use it. It’s great to know it’s there if we do.

Figo/Pet Cloud app has been a great experience so far. Sending documents to your cloud account and processing claims has been very easy. I love the chat interface in the app to submit a claim, and everything was processed very quickly.

Payment is prompt and easy, just send a copy of the vet bill. The only complaint is that anything that is remotely related to a "pre existing" condition is not covered. My advice, get the insurance immediately when you get a dog or puppy.

Was so easy to file a claim. And fast!