Havent used it yet. So giving it a neutral rating. Puppy is due for exam. We will see.

The information was not clear regarding the process for claims.

Comparable to a credit card scams. I’m struggling to find value in the insurance since they actually don’t cover anything. In the bright side, they are marginally cheaper than other options but don’t expect to actually have anything covered by them.

I got paid super fast but I only got paid for ½ the vaccine. The other half will be in 3 weeks. I probably won’t get anything because as I understand it I am at my max. So now Lulu has to be sick in order to get any payback. Doesn’t seem fair

Figo has an easy to use app interface and as a Costco member, their premiums are significantly more affordable than other pet insurance, even through my employer.

Very difficult to communicate and submit a claim

They claim to cover treatment for chronic conditions, allergies, and dermatology issues, yet when the ONLY treatment that works is prescription food, they won't cover it. They won't reimburse a $100/mo for treatment with food, but they'll pay 3x that amount for allergy meds and injections that barely do anything and continuous antibiotics to treat the neverending infections. "Vet prescribed treatment" also doesn't apply if the treatment the vet prescribes is prescription food. To be fair, they did let me pay an extra $134 for a powerup to add to the already $700/yr plan in order to reimburse me $250/yr of food, after I spend $600 on unreimbursable covered expenses to cover the deductible and copays first. Umm..thanks??

They do not review claims properly for reimbursement. As of 2024....if you get premium everything....price is now $3,000 a year. It can be very frustrating for they use trust as a marketing tool but don't live by it. I usually have to re-send my claims in for a higher level review to get reimbursed.

I was filing my claims later than the 180 days and there were no opportunity to get reimbursed. Also they are super strict to what they reimburse, and for every month I paid policy premium it was a waist because at the end after 2 years I got no reimbursement of any of the services at the vet

Didnt cover the whole bill wondering why I have this now