So far I’ve had helpful information when I called in. Not sure how to read my claim however ? I don’t know if it was paid or not

Unable to talk to anyone. Ms. Jackie

I pay you your monthly fee for the past year and you have not reimbursed me for ANYTHING so I wish to know just what I am paying fori

The claiming process is not very easy to use.

I have paid for FIGO for a year with zero return for my two dogs.

This company is terrible. If you like throwing money away, have any and every claim denied for the most trivial reasons, this is the company for you! If you have 2 pets insured with them, have a great time when your vet has both your pets on the same bill! Figo will make you jump through every possible hoop they can and still deny your claim. F this company. You are better off either going with some other company (the homeless guy under the bridge is more trustworthy than this joke of a company) or just outing the money into saving Incase an accident happens with your pet. They will tell you (they do everyone) they are so concerned and please email them to discuss concern and issues. You will get back a cookie cutter response of an email. Seriously. Go. Find. Another. Pet. Insurance. Company. FIGO IS NOT going to be there for you if you need them.

Nothing covers for us

I have an Australian Shepherd. Anyone who has owned this breed knows they are High Strung and anxious, oops don't say that word because Figo will use the owners words to decline your claim because it was pre-existing. At first they declined me because of a medication the vet gave for keeping him calm after surgery and said it was used for another reason. Vet wrote them a letter saying that was not correct. Then they declined because of a note of a word I used. I am not a vet and it was a word I would use on any Aussie. I told them they should not insure a breed that they do not understand or intend on ever covering a claim. They will look for any reason to not accept your claim. I will appeal again but low expectations. I will be pulling my three pets out of Figo and going to another insurance company. Waste of money!!! I reached out Figo support many times on the phone and via email. The last they claim that because I was quoted in vet notes as using the word anxious, could have been afraid, that I diagnosed my dog with anxiety. Even though my prior vet sent a letter stating he was not diagnosed with anxiety. Figo claims I diagnosed him and that word counts as pre-existing condition. When talking with your vet ask them not to quote you in their notes and be careful with your words, they will be used against you! Going on second appeal.

My dog had an emergency room visit because part of a wooden deck got impaled in her paw and it was quickly infected. The ER sent paperwork, my vet for her follow-up sent paperwork. I got copies of the paperwork and submitted them myself and I was told they couldn't reimburse because we didn't send the paperwork.

The claims are processed quickly, but many things are not covered. It is affordable, but ultimately not great if you're looking for a broad net of coverage. Also, there is a 14 day probation period when you first sign up, so do not schedule a vet appointment during this time... they'll say any findings were "pre-existing".