Figo | Pet Insurance Review

I am (was) a big fan of insurance and over the past 17 years I have used Embrace, Pet Plan and more recently Figo. I was very happy with Pet Plan until they changed underwriters and the terms of their policies changed dramatically. For insurance to work for us I need the features originally offered by Pet Plan: 100% reimbursement after deductible is satisfied and exam fees included. Last year the policy Pet Plan offered me on renewal eliminated 100% reimbursement with a large increase in premium. At the time (spring 2018) Figo was just about the only company offering 100% reimbursement but no longer. They only offer 80% reimbursement and charge extra to cover the exam fee. But most significantly, on a 4 year old small mixed breed the premium went from $500 to $800, a 60% increase. A company that cannot offer a consistent product from year to year with reasonable price increases is not well managed. I am very disappointed in Figo and never even got to make a claim.

We adopted a dog, Zoey, from our local Humane Society in June 2017. She’s mostly English pointer and is very active. Although I have had several other dogs in my life, I was skeptical about getting pet insurance, as I doubted it could ever be useful. In my mind, unsupported by any facts I might add, the insurance company would likely exclude most, if not all, claims which were submitted. I can happily say that is absolutely not the case with FIGO. As it turns out, Zoey tore her ACL and required a fairly significant orthopedic surgery. The claim’s staff at FIGO could not have been more helpful. They guided my wife and I Through the claims process and, after all of the necessary paperwork was submitted, the claim was immediately resolved and a reimbursement check was sent to us. Incredible is all I can say... This is hands-down a wonderful insurance company. I really feel they have our back. Thank you FIGO!!

We just got FIGO, and literally 2 weeks later our little bud Crouton had an accident and got into allot of dark chocolate. FIGO absolutely killed it. They submitted most of our paperwork for us by email, and had the claim closed and paid out in a week. I couldn't believe it. Highly recommend.

Very helpful and timely on payments!!

This company probably won't last-- they were offering insurance plans that were too good to be true and must have finally realized because without warning they doubled my premium ($42 to $86) for the same plan. I only went with Figo because they had great coverage compared to cost and waived a lot of waiting periods for certain conditions (hip dysplasia, etc). However, if they will be doubling my premium to be able to offer this type of coverage, this is not what I signed up for. I should have went with Healthy Paws from the beginning and I would be past the 1 year waiting period. Wasted a year with Figo. Go with more reputable insurance providers. They are NOT IT.