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".

Figo pet insurance is great. I submitted a claim on Wednesday April 24th and a few days later the claim was closed and the reimbursement was in my account. I would recommend Figo pet insurance to anyone looking for pet insurance. You will not be disappointed.

Nothing gets approved by this insurance.

Turned in a claim form because our dog had a really tough time defecating. They denied it because somehow it’s related to his penis from a previous claim they denied. Looking at dropping them because at this point, I’m paying for everything out-of-pocket, so what’s the point!

Unfortunately I've learned that with FIGO, their fine print isn't beneficial to the pet owner. In order for them to pay for my Golden Retriever's ear infections for skin issues, they'd have to go 1 year without any vet visits for these issues before they'd consider paying for this expenses. One year is a LONG time with a dog who is prone to these issues and it's just frustrating navigating them constantly telling you that "this isn't covered because....".

Denied my dogs prescription food for this illness which was prescribed along with an antibiotic. They said it wasn’t the sole thing that would treat the illness. Makes no sense, it’s what the dr prescribed for the illness. Not happy

I got my puppy in October and did all his paperwork with the insurance to make sure he was covered for all his appointments. We have submitted like 10 claims since October, and we have yet to be told yes or no to anything. They just keep telling us they don't have the paperwork that we have submitted 5 times already. This is ridiculous. I am so angry and annoyed about this whole situation. So far customer service has not been helpful at all.

Doesn't work well with Veterinary office. False advertising on what is covered.