Figo | Pet Insurance Review

Making a claim and receiving reimbursement was very quick and easy.

The information was not clear regarding the process for claims. None of my claims were paid, some for not being turned in. I had been told I could turn them all in at once as long as it was before the policy end date. Others were not paid because someone determined illness started before the policy wait period. I disputed the decision and let them know if the claims were not paid, I didn’t want to renew the policies. You went ahead and charged me for renewal and did not pay any claims.

Havent used it yet. So giving it a neutral rating. Puppy is due for exam. We will see.

I have no reason to give an opinion as I have not needed to use this insurance yet. I hope I do not need it but I want my dog covered for anything that may come up

I have had Figo on my Beagle since 2018. The policy started out at around 600 per year. This year's renewal was an incredible 1600 dollars per year. That is a 166% increase. I used to recommend Figo to everyone all the time because they do pay claims fast and according to their policy but since they switched underwriters their increases have been untenable. I lowered my coverage down to the bare minimum (5k with 80% reimbursement and 500 deductible) in order to make it reasonably affordable at 687 but will cancel when this year is over and switch to Pet's Best which will allow for unlimited coverage, 90% reimbursement and 250 deductible for just 90$ more than I am paying now for very minimal coverage. There is much ado in the pet insurance community about how filing claims doesn't increase your premium. They are right about that, it doesn't, but it isn't really a benefit for those of us with healthy, well-cared for dogs who rarely use the insurance and almost never exceed the deductible amount when they do. I would rather they based the cost of the policy on the claims filed, frankly - at least that way I'd be paying according to my usage. Figo is also one of the rare companies that doesn't offer a discount for those of us in the veterinary field. This is a common discount because most pet insurance companies recognize that dogs owned by veterinary professionals often get huge discounts on care and they receive much more care than the average pet, which warrants a discount because it saves them money.