They don’t listen, they don’t care if you’ve had a bad experience; I would not recommend them. I filed a claim after my pet passed away last year and it took 2 1/2 weeks for Figo to decide that my claim was not covered. After asking them why it had taken so long for them to figure this out, I got no response. During that 2 1/2 weeks, they were constantly emailing me and calling me to ask me for more information (meaning I had to talk about the death of my pet over and over and over) and they were calling my vet’s office to ask for more information. None of us could figure out what they needed. In the end, it wasn’t covered (why didn’t they just tell me that in the first place?) and I was out that money anyway. Total waste of time and money.

Poor communication for reimbursement on multiple occasions. The nail in the coffin was when they stated that an ACUTE otitis media infection wouldn’t be covered because of a pre existing condition within the past 12 months of allergic dermatitis that occurred 10 months earlier. Let me just say this is hogwash … no offense to the hogs out there

Reply from Figo Pet Insurance

This company does not take customer service seriously and will take over a month on average age to process your claim. They don’t respond to emails and claim to loose your pet’s medical records.

I am deeply disappointed with this insurance, which I chose to avoid unexpected veterinary bills for my dog. I recently submitted a claim for a significant procedure my Yorkshire Terrier underwent, only to have it rejected twice. The rejection was based on the claim that the full medical history was not provided, despite it being included in the submission. This policy was meant to provide support and peace of mind, ensuring my pet was covered, but instead, it has added unnecessary stress and anxiety to my life. At this point, I am seriously considering canceling the policy, as it appears to be entirely ineffective.

I have had this pet insurance for about 5 years. I understand that prices increase year over year, but I did not expect it to jump 60% or more for my pet. I had 2 pets enrolled and each of them increased over 60%. I did place a pretty price claim in this past year, so I bet they are trying to recuperate their expenses. I think this is AWFUL customer experience and therefor cancelled immediately.

The worst experience we've had with a service provider of any kind. The web site is set up to mislead you on your insurance choices and is not clear. Regular vet exams should not be the same as an emergency visit, but both are declined as being the same thing. The site is clunky and hard to navigate and don't expect claims to be settled in your favor. Save yourself our incredibly frustrating experience and don't waste your money here.

I work for a very large health insurance company (for humans) and I can tell you if we operated like this the OIC would make like a dog’s rectal thermometer and get right up our butts. I will be contacting Wisconsin’s to see if they handle pet insurance issues. Our dog had a visit for some symptoms that seemed like allergy symptoms, but their persistence led the vet and us to believe there was something else going on, leading to a soft palette resection (in short, the soft palette had overgrown and was causing an esophageal blockage and sinus cavity blockage). Figo denied everything flat out stating that the allergies were a pre-existing condition…despite the fact that this ended up having nothing to do with allergies. I’ve filed an appeal and was told I’ll hear back within 90 days. He’s back today for more diagnostics because he continues to have underlying issues and I fully expect them to deny even though the underlying issues are clearly not allergy related. I should note that our other, older dog is also insured with them and has never had a claim. Obviously I’ll be cancelling these worthless policies.

Absolutely a rip off. They take your money and then deny all claims. And deny all appeals too.

The company considers everything a pre-existing condition, even if you take your pet to the veterinarian and the vet "suspects" it might be a certain condition. They deny every office visit even if you are taking your pet because you are not sure what the issue is. If you do not buy figo insurance at birth, you might as well not buy it at all. Very disappointed this is a Costco recommended company.