Figo | Pet Insurance Review

I thought there was a problem with Figo denying claims but it turns out to be one slight teething problem with the underwriter not understanding what a blood panel is, and my vet, who is OK but REALLY BAD AT FILLING IN FORMS. Approximate won't do when filling in forms an insurer is going to base a decision on, so I think my vet will be undergoing a little retraining :) I have accordingly updated my review. My apologies!

We have six pets insured by Figo and two have recently become ill. It seems some program or unqualified employee is scanning vet bills for terms like "wellness" in blood panels and auto-denying entire claims based on that. No matter the reason for the visit. A decent vet will order whichever blood panel has the required tests in it - in order to keep costs down. I could always ask the vet to order each test one at a time so that they have impressive sciency names like "hematocrit" and "blood urea nitrogen" or "calcium". The bill would be $1000 instead of $100 though. Seriously Figo, you'd prefer that? "Its no problem" says the lady on the phone "you can appeal"? Yeah actually, it IS a problem. I shouldn't have to. Figo - would it have killed you to read the reason for the visit. We were pretty clear about it on the claim. Would it have killed you to phone up the vet and check if you didn't believe us? Take the second claim. We have a new cat. When I found it on the street six months ago it was covered in fleas and scabs from scratching at the fleas. I gave it flea treatment then took it to the vet for antibiotics and a check-up, paid for this all ourselves and the cat was well again. A couple months later I added her to our policy. A couple months after that and, still flealess - she suddenly started licking patches of fur off and acquired a heart murmur. Hmm.. Could be kidneys, could be dermatitis could be any number of neuropathies. It is heartbreaking to watch the poor little creature scratch and lick herself raw till she bleeds and we don't know why. The vet doesn't know why. The hospital doesn't know why - so she was booked in for more tests this week. Then Figo wades in. Claim denied. Code 4. Pre-existing condition. We cancelled the tests. She either gets better on her own soon or she gets put to sleep. Figo outsmarted the best doctors in Georgia (and I'm no slouch at this medical stuff myself) and beat everyone to the diagnosis. I am so impressed with Figo right now. I'll be even more impressed when they name this pre-existing condition. Know what's most impressive of all? They call the plan we're on 'Ultimate'.

My cat got super sick, they sent a card, called and paid as expected! I also use wellness plan from Nationwide, which is great but always have to get them to get the right amount released. Figo is amazing, I am at peace and with so much affordable rates! The most shocking thing is that they are hardly compared on best insurance for pets or anything like that. They must be insane.

I have done my research on many pet insurance companies. Figo topped them all! I was very impressed with Figo! And I will definitely be spreading the word about my love for Figo! As soon as our new kitten, Linkin turned 6 weeks we signed him up. Love the ap and cloud! Very user friendly. I even called Figo directly to clarify something on the documents and got right through to a live person who was so nice and helpful. Their rates, plans, and customer service are very impressive!

We were searching for new pet insurance since all three of our rescue pets were on three separate plans most of the plans only covered up to a certain amount and one of the plans sky rocketed so we felt doomed! After weeks of searching we found Figo, the plans, deductibles etc. fit our budget and it has a cool app! So we signed all three up, I was reassured when I went to my vet an told the girls at the front I had new insurance they said OH forget it your not going to get anything back everything will be Pre-exsisting my little one has $500 worth of X-ray last week it was so simple I took a photo of our invoice and off it went into our Figo ICloud with in 5 days I was contacted an told I have reached our deductible and that Pebbles visits were not considered Pre exsisting an we will be getting some money back !! Figo has been amazing ! I highly recommend I feel at ease and I know we have made the correct choice !! Thank you Figo Team!!! We also love 💕Our Figo pet tags too !!!