Figo | Pet Insurance Review

Figo is the WORST! I thought because they were partners with COSTCO, I'd get a great policy for my puppy. They absolutely suck. Thanks for the flimsy water bowl and the dog tag, but I paid for that free crap in unpaid claims. What do they even reimburse for? Nothing. Please save your money and go elsewhere. Can't even get anyone on the phone and their chat isn't even available within the hours they claim to be available! I wasted so much money with this awful scam of a company.

I'm fairly happy with our FIGO insurance. They covered thousands of dollars for us in 2022 as our dog had some health issues. Two things that I do find frustrating with them: 1. Prior to a procedure, you can email them for pre-approval. However, they won't give you pre-approval saying that they cannot do that legally, but can tell you if something should or should not be covered. That's very frustrating, and difficult to make decisions. Why can't it be like human health insurance and know yes or no? This has to be improved. 2. Again after dealing with and paying for treatment/surgeries for my dog, I wanted to increase coverage - pay more annually in premium but less in the event there's an issue. FIGO won't let you increase policies. You can only decrease.

Finally cancelled my policy with Figo. 1 star for the sign up process and the gift tag and bowl they send you in the mail. I had Figo for a total of 7 months. (Signed up when my puppy was 3 months old) Anyway, they find every reason under the sun to deny your claim. Most recently, I got a claim denied for an ear infection because he was seen months ago for a SEPARATE dermatological issue. The first issue was a bump on his neck, and they denied the ear infection with this explanation "If Your Pet showed Clinical Signs of any Dermatological Condition prior to the end of the Waiting Period, Your Pet must be free of any Dermatological Conditions for twelve (12) consecutive monthsbefore any Dermatological Conditions may be covered again" My fault for not reading the policy in it's entirety. Learn from my mistake and choose a different provider. I was able to find another pet insurance that wont just lump things into a category. In the last year I spent 1174.72 at the vet, and Figo paid out 72.90 LOL. Mind you my deductible was $250 and I paid extra for the wellness ride that covers some vaccinations which is what they paid out. I paid in total 88 per month for 7 months. The math says: FIGO IS A WASTE OF MONEY. COMPLETELY USELESS.

Totally worthless policy. Figo has refused *every single claim* we submitted over the past year. You might as well set your money on fire.

WTH, why did you raise the price by 65% without even notifying???