Figo | Pet Insurance Review

I think Figo can be great! They started off amazing but when it came time to make a claim I was very disappointed. My dog got really sick and was in and out of the hospital for 3 days. Come to find out he had an allergic reaction to something but the symptoms he was showing were vomiting, lethargic, and not eating. Since i had said at one vet appointment less than a year previous that he had vomited,it was considered a pre existing condition so it was not covered to the full amount. I used to work as a vet assistant and almost any condition a dog ends up with, the symptoms are vomiting diarrhea and not eating. So to say that he had vomited once before that had nothing to do with an allergic reaction and it be considered pre existing was crazy to me. Other than that the insurance for my cat has been great. Hope it continues to get better.

Good luck making a claim. Basically NOTHING is covered the first 6 months... there's a "waiting period" for pretty much everything. If you dog licks his paws in January and the vet gives him cream to put in than 5 months other has an ear infection they somehow say it's related and deny your claim... CAVEAT EMPTOR. I cancelled my policy after being denied for 4 claims in a row.

I can’t get my claim down load been trying for days. Just keeps spinning?

I am fortunate that I haven’t had to utilize my insurance as my dog has been healthy. One of the features Figl advertises is 24/7 access to a vet via internet/phone. I have tried to use that service twice and my call/DMs were never answered. Given that is my only interaction with Figo I haven’t been overly impressed. I am a new dog owner so I don’t have prior experience with pet insurance to compare Figo.

It's unfortunate that we spend $1200+ per year to only have so little covered on our Bernese Mountain Dog's wellness. We have only received $135 back on over $1245 spent on care, on top of the $1200 in premiums on the dog. A total of $2400 in the 1st year of life for an overall healthy dog with no issues. Berners are sensitive breed and it seems every time we bring him in to make sure he's healthy there is an out of pocket expense. We purchased an insurance to extend his longevity with and insurance company that would be in this with us. We just found that we spent double his cost of wellness by holding the policy. They have good coverage for serious matters and god forbid we run into those challenges we hope they cover it.