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

All around bad experience. The app is convenient but has many glitches. However customer service was very responsive which is why they’re getting 2 stars instead of 1. But overall bad insurance experience clearly out for a profit instead of actually providing ease of mind. So much work obtaining and uploading records only to get minimal reimbursement or complete denial. When I had an actual problem visit to use the insurance with it was denied because my vet’s documentation “wasn’t sufficient”?! Like any vet would go and re-write an entire visit and add unnecessary details to hopefully get a few bucks back…

hardly anything was covered. Less than 1/3 out of a necessary test and prescription. I'll be looking for different insurance. Why pay a premium if they don't even cover 1/2 of one month's worth.

Rates went up over 100% in just 2 years, and barely covered anything! What a scam.

It sucks - I think this company is a scam. They have no consistent way to login online or on the phone total crap

I cannot get on your crazy website! 😡

I’m very disappointed in how little they actually cover especially given that I upgraded with add ons like wellness—I’ve spent well over 600 dollars (just to keep in mind that I did sign her up as a 12 week old very healthy puppy) and did all the standard vaccinations / exams and Figo only reimbursed me 45 dollars. That’s it. I work in insurance and employer/ee benefits and I’ll never recommend this to my groups. The app is easy to use.

I got Figo pet Insurance for my 4 dogs. After almost getting through their waiting period my dog got a lump on her leg...it was not there prior to getting the insurance. Sure enough cancer..not sure what kind cuz it cost 500 to get it checked out. I was 14 days from it being covered and they denied it. I ended up after 3-4 mos having to put her down. In the meantime I decided to cancel all policies for my 4 dogs. It is now 31 BUSINESS days and still no refund. I have called several times to check on it and always told it is being refunded...I have asked to talk to supervisor a few times...always NO ONE is available...and always told someone will call back but NO ONE calls back...and NO REFUND AND NO HEALTH CARE when my dog really needed it. Don't waste your money. Set it aside in an account and if something happens you'll have it. I found other reviews --- too late--- on reddit and other places saying this company will take your money but not give you the health care you pets deserve. Find someone else!