Figo | Pet Insurance Review

We pay yearly. On our Figo account and in our Figo pet cloud it clearly stated our yearly bill of over $900 ( which is up $400 more than last year! )was to be taken out Jan 8th. What a shock to see it was taken out without any warning a full 10 days before it was even due 3 days after Christmas at that. I called Figo and they said well if you pay yearly they take it out 10 days early Thanks for the warning Figo. 😡 As far as an explanation of why it went up $400 more I was told age was a factor. What a rip off and Figo's way of trying to push older dogs out of their business.

Sammey needed her bortatella shot and insurances covered it 😊 all I had to do was photograph the invoice from her vet and Figo took. Are of the rest I’m very satisfied

I would say it couldn’t have been easier for reimbursement. Fast, courteous and lived up to every promise!

Purchased pet insurance with Figo on March 8th 2022 after speaking with a representative and was assured ease of use and reimbursement with non pre-existing conditions. Note that we already had pet insurance and never would have switched if we were given grace period policies. Our pet was in excellent health with regular vet visits (all documented). Six months later we took our pet to the vet for an immediate visit due to limping. Surgery was administered shortly after (again all documented). The appt was on Sept 14th, which falls after the grace period (Sept 9th) yet the insurance company is claiming that this is a pre-existing condition, which it is NOT. I have made two appeals with the insurance company and both were denied. You are not given more than two appeal attempts (how convenient for Figo). The vet also wrote two letters summarizing the events and that it was not a pre-existing condition. I have also submitted a claim & complaint with my state division of insurance. It seems Figo will do just about anything to deny claims on the basis that they are all pre-existing. Pay the extra $20 for a better insurance company that will actually take care of your pet in need and not leave you out to dry with financial burden.

Smooth Process! I found Figo through Costco for our new pup. We sign up online, picked a vet easily, and when we took our dog to the vet and got the invoice we submitted it same day as the vet appointment via the app - really easy to use! I was able to set up my bank routing information and received the reimbursement within a few days! Such a great experience!