Figo | Pet Insurance Review

I have purchased an insurance policy for my cat since 2019. In 2020, my cat was not feeling well. I brought him in to our local vet for a check up. Check ups were not covered in my policy at that time. The doctor noted that my cat was constipated, and recommended a science diet recipe. Two weeks ago I had to take my cat to emergency care because he had not eaten, urinated or had a bowel movement in 24 hours. I did not treat my cat at emergency care, he was given subcutaneous fluids; and since he was not in crisis, he was released without a diagnosis or prescription. The next morning I took my cat to our current vet. He was diagnosed with a urinary tract infection for which he was given antibiotics. …. BUT because my previous vet in 2019 gave my cat a laxative, my claims were denied. The constipation was one of the symptoms for his most recent treatment NOT the condition, but even so my claims were denied. I have filed two claims (most recent emergency care and follow up) in the last five years, only to be denied because my cat had been constipated five years ago. This is an egregious breech of contract. The pact is that I pay my insurance premium every month, so should my cat become ill, I can provide my four-legged family member the medical care he requires, even if it’s thousands of dollars. Denying the claim is a poor showing of the good faith between client and insurer. I whole heartedly do NOT recommend FIGO; and once my appeal is closed, I will no longer hold a policy with them.

Figo is quick and easy about everything! Submitting claims thru the app is simple and the Reimbursement is quick. Everyone I've spoken with there is knowledge and have been able to answer majority it not all my questions. Highly recommend this group for pet Insurance!

Quick and fair claim processing

Pressed the button 2 times by accident and you would not refund my money back.

It was as very simple to file a claim and fast response for the claim. I am pleased with the service.