Figo | Pet Insurance Review

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!

This was the easiest claim I have ever processed. Fast review and just overall great experience!

Their web experience is a mess with contradicting information in many places between blogs, marketing, and how people respond in support and on the phone. You sign up at figo, but don't return their to login - separate URL which is odd, and not even a login link from the marketing website. I've had support emails answered in 10 minutes and go unanswered over 5+ days. Their wellness package is OK, but the premium package on a plan should cover more than 50% of things like totally standard vaccinations at standard prices.

Process was easy with step by step details.