They really only cover major trips to the hospital other basic stuff like fleas and ticks have no coverage - even if you are giving your pet the preventative medicine. Outside of catastrophic events, there's not a lot of bang for your buck.

They keep raising premiums even though there were no claims..!

I have had Figo on my Beagle since 2018. The policy started out at around 600 per year. This year's renewal was an incredible 1600 dollars per year. That is a 166% increase. I used to recommend Figo to everyone all the time because they do pay claims fast and according to their policy but since they switched underwriters their increases have been untenable.

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??