Watch your premium each year - Figo likes to play the price gouge game. That said, if you are dissatisfied, Figo will assign you an excellent customer service representative to help you assess your options and find what’s best for you. Filing a claim takes almost no time at all, and claims are processed scary fast. Overall, Figo is legit. My only criticism is that they need to pay closer attention to their underwriters and price gouging.