Figo | Pet Insurance Review

(Please read)Beware, do not get this “insurance” they are scammers. This is a robbery on broad day light. Got the policy with Figo and when the policy kicked in August I took my puppy to the vet, and he had a heart murmur, some Pomeranian dogs have them, doctor said it could be nothing but it could lead to something worst or it could go away, anyway this is a congenital disease. Unfortunately it led to an an enlarged heart and had to go to an emergency vet on October 25th. I also payed more so I can have coverage for vet bills, and they refused to PAY!!!! My Pomeranian has to have surgery and they didn’t want to pay also because they said It fell under the 14 day no Illness period or some crap like that. They asked every document they we had for our dog. And they didn’t want to cover. On their website they have misleading information saying that they could have exceptions if the certified vet would send a letter But his was a congenital disease which this was!!!! also they told me that on the phone. THEY SHOULD COVER CONGENITAL DISEASES which this was the Case. My vet and the cardiologist send a very convincing letter and and she also spoke with them on the phone A COUPLE OF TIMES they REFUSE TO PAY as well as this point all I wanted is my puppy to have surgery and I had to put it on my credit card. I had to pay more than $6000 which I’m still trying to pay. My dog passed away in surgery On Nov 7th, we are still heart broken and we miss him every day. Figo when they replied denying to pay used a very normal language with no medical terms but, last email I got from them it FELT LIKE AN INSULT!!! They transformed the letter that the cardiologist and the vet send them to change a few thing now speaking with medical terms like PDA and stuff like that. They are full of crap turning tables on their favor. Even when my Vet from the specialty center and cardiologist called them and sent emails to them, they were looking always for a way out. They wanted to talk to the fist vet that detected the murmur trying to find contradictions but they couldn’t find any!!! They still denied to pay. I tell people I know about this and they have lost customers cause these are really messed up. Life will get them in sure of that I believe that karma will get them and all the money they make out inocent beings like dogs and us their owners.

Great and fast service, easy to file a claim.

Thank you for canceling my policy after my cat passed away without calling it out. That makes our family feel so touched.

Fast response and helpful with any questions!

Large premium increases every year. After my first year with them they doubled my premium, and had to pick inferior coverage to keep prices down. After my second year they increased my premium by 50% forcing to yet again pick inferior coverage. Did an online quote just to see what it would look like with my dog's info, and my rate would have only been a 25% increase, leading me to believe they increase your rate more if you use the insurance. They were good at reimbursing me quick though.