Will not cover anything, waste of money

Failure to meet policy; had cardiac consult which included a diagnostic test but was declined because the vet invoice did not reference "diagnostic" but vet exam notes provided detailed explanation and diagnostic testing results...in detail. Company also rejected claim for a diagnostic for flea infection and they claimed it was not covered when their own policy explicitly states only pest diseases or related matters are not covered. A test for a pest disease is not a pest disease or related matter. Clear contractual language is either too difficult for them or they purposefully write their contracts in such a way as to challenge claims without recourse. Avoid Figo pet insurance.

There is vague language in the policy that allow them to deny most claims. They are going to utilize the entirety of your pet’s medical record to find one reason to deny everything. I mean, it makes sense-it’s in the policy and they are a business. I would say it is a scam and a waste of time and money. Not sure if other pet insurers are better, but my advice is to skip Figo. For the price, the chances that you’ll actually get any use out of your coverage is slim to none.

Cannot get a penny for reimbursement as it should be per Figo’s policy. The Figo people that I called lying that they contact the vet for verification but didn’t get Vet’s office answer. I talked to the Vet’s office, no body call them from Figo. These were just for 75.00 of teeth cleaning and 50.00 of vaccinations. Imagine when your bill is thousands dollars…. Figo is nothing but a scam.

Settling claims with Figo feels like leaving things to chance. While their marketing and support teams shine with a solid 5-star rating, the experience with the claim department tells a different tale. In an unregulated realm of insurance, Figo seems to exploit the lack of oversight by crafting policies with vague language. The claim department operates on a subjective basis, free to approve or deny based on unclear criteria.

I had a problem submitting a claim, and it told me to call. I called and they said to leave a message and they would get back to me. They did not. And it’s not the first time where they’ve asked you to leave a message and they don’t call you back. Submitting claims is confusing and it doesn’t give you full information.

I like Figo because is easy to submit claims and update my dog’s coverage. Every time I call I get someone in the phone as well. My only problem is that every time I submit a claim I always have to appeal as many of my dogs claims do not get pay and it takes more time and work to get them fix. Overall my experience has being ok but I feel it could be better.

Original policy was issued 12/20/2022 and automatically renewed on 12/20/2023.

The amount paid for a spay is ridiculous!!!

I’ve had the insurance for a year and not filed any claims in that time, so I can’t rate the service. However, my dog will be 5 years old this spring and my premium was raised 16% for this second year. Will it go up another 16% next year, and for subsequent years?