Figo | Pet Insurance Review

Figo is the best support you can receive when you are in a bad situation with your pet.

FIGO offers a very straightforward process for filing claims. We had only two situations which required we file an appeal. They were both readily resolved in our favor with letters from our vet explaining the need for the medication. Have been very satisfied with FIGO

Figo pet insurance has so many benefits and I feel their pricing is fair for what you get. They always respond immediately and whenever I have submitted claims. They are quick to process my claims and the money is in my bank account literally in a few days. I love that they offer online vet support should I have any questions. I am so happy I purchased this insurance and I highly recommend Figo to anyone who has a pet!

I have been with Figo Pet Insurance 5 months. The dog was taken to an emergency vet center on a Sunday when vomiting started after 2 days of liquid diarrhea and refusal to eat. He was admitted to their ICU and was severely dehydrated. The staff was able to stabilize his condition but was not able to determine the cause of his problem. The bill was $7838.58. The claim was submitted after supplying a very long list of accompanying documents including a copy of the complete file and doctor’s notes from the emergency center as well as the records and past history from his normal vet. Ten days later they rejected the claim as "pre-existing conditions". The ICU vet indicated in documents that they could not determine the cause with any degree of certainty or assurance. The dog was put to sleep a week after leaving the ICU. It took Figo 10 days to come up with pre-existing conditions. My advice is to look harder and elsewhere if you are searching for a trust worthy pet insurer. Take a moment to read the insincere and duplicate Figo responses to the 1 star reviews if you need help deciding.

My claim for the treatment of a bladder infection of our cat was not reimbursed by Figo, referring to a comment in his file that, according to me and our vet, has no causal link with bladder infection whatsoever. Our cat developed a bladder infection 5 weeks after taking out the insurance, so in essence Figo's suggestion is that I would purposefully have registered our cat while he already had a bladder infection, and then let him walk around with it for 1½ months, just to be able to declare the invoice? What an annoying and also disrespectful insinuation..... It now appears that our cat is not insured for a whole series of conditions as a result. If I had known this in advance, I would never have insured my cat with Figo. I therefore believe that Figo's registration procedure is seriously inadequate and places a disproportionate amount of responsibility on the policyholder. I registered a 100% healthy animal in good faith, and Figo is looking for a reason in the file to avoid a claim. It would be fairer for Figo to give a person who applies the claim the option to have the file reviewed, so that any exclusions are clear in advance. Because of this omission, I am now paying a year's premium for a cat that is barely insured. Even after filing a formal complaint, Figo does not say a word about the inadequate registration procedure and does not move an inch towards a lenient treatment. Very disappointing! My advice is therefore to have Figo assess the file of an older animal with a file at the vet first, to avoid any nasty surprises later on.