Figo | Pet Insurance Review

A family friend recommended Figo when I got my first labrador puppy, Charlie. Thank god I listened. Within a few days, Charlie swallowed one of my son's toys. My first claim was an ER visit. I was not sure what to expect as this was my first time with pet insurance. I filed the claim like it said on the website. Surprisingly, it was so easy. I was reimbursed within a week. Hopefully I won't have to file a claim again. But if I need to, Figo will be there for peace of mind. Thanks FIGO!!

Jennifer the customer service agent is super quick and helpful, within seconds of sending her a text she is ready to go above and beyond to help you with anything and everything!!

After 16 years of excellent health with our beloved cat she came down with an acute case of pancreatitis. As she was aging, and that incident cost us $6000 out of pocket, we decided to finally get insurance for her. We were concerned no provider would take us due to her age as several do not, but luckily Figo did. We were then extremely grateful when we got insurance as her health continued to decline over the next eight months, and we recently had to say goodbye to her. While Figo did not cover her existing pancreatitis, they covered everything else that happened the next 8 months. Which included chronic inflammatory bowel disease, an acute anxiety issue due to an alley cat, a urinary tract infection, a kidney tumor and finally our loss of her and the cremation process. We were reimbursed nearly all of the money of the claims we had submitted (minus a pancreatitis flare up), and only paid in a tiny fraction of that total dollar amount in monthly fees. I found the website and submission process to be easy once I figured out it would save time to always submit lab/exam notes with the invoice. The turn around time for claims processing and getting reimbursed was also surprisingly fast. On top of all of that they were incredibly empathetic, sympathetic and gracious with our loss. They made the emotionally painful process of closing the account nurturing and supportive. They even sent us a hand signed card several weeks later. Should we choose to get another furry friend in the future, we will start off with Figo from the beginning. I can't recommend them enough.

Jennifer was very friendly and personable and did a nice job of making the pet insurance experience more enjoyable.

First, I ran in to an issue when paying for the insurance. It wasn't until after I accepted the monthly terms that it showed me that I would be charged a monthly service fee. I called and spoke with customer service and got that resolved. Later, I got an email saying that they needed a health exam that was within 48 hours to waive the waiting periods. I called and asked about this and they said that there was a 2 week waiting period for medical issues, 5 days for emergencies and 6 months for knee problems. I didn't see any of that before I signed up.