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Figo Pet Insurance Review 2022
Reviews 1,123
FIGO
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FIGO
FIGO
Great
Reviews 1,123
Michael Graw
Sep. 20, 2022
2 min read
Michael Graw
FIGO summary
Figo is a pet insurance provider that offers customizable policies for dogs and cats. The free quote online allows you to choose your deductible and reimbursement rate. Figo lets you visit any licensed vet worldwide, and offers 24/7 access to veterinary professionals via the mobile app. Claims can be submitted online or via the app, and most are resolved in three days. Figo also offers optional wellness coverage for vaccines, dental, and more.
Pros
  • Customize your deductible and reimbursement rate
  • 24/7 video access to veterinary professionals via app
  • Most claims are paid in three days
Cons
  • Doesn’t pay your vet directly
  • No accident-only plan available
  • Only available for dogs and cats

FIGO at a glance

4.0
Editorial score

Online experience

Great site with learning resources
4.0

Customizable rates and services

Customizable plans and rates, 50-90% reimbursement No upper age limit
5.0

Claims payout waiting period

Days
4.0

Customer support

24/7 communication and a pet hotline available
4.0

Bundles

Multi-pet bundle OR multi-policy bundle
3.0

What Does it Cover

Figo covers accidents, illnesses, and emergency treatments for cats and dogs aged at least eight weeks old. It also covers surgeries, dental illness and injury, cancer treatment, chronic conditions, and hereditary disorders. Holistic and alternative treatments are covered, but behavioral therapy is not.

Pre-existing conditions are not normally covered by Figo. However, some curable pre-existing conditions may be covered if your pet has not experienced symptoms for 12 months since their last treatment.

Figo’s coverage allows you to visit any licensed veterinarian worldwide, including specialists or emergency clinics. All policies include 24/7 live chat and video access to veterinary professionals through the Figo mobile app.

Insurance Plans & Pricing

Figo offers a single insurance plan for dogs and cats, but you can customize your policy according to your pet’s needs.

We got a quote in August 2022 for a three-year-old Border Collie in Texas. A policy with a $100 deductible, a 70% reimbursement rate, and a $10,000 annual coverage limit was quoted at $23.51 per month. A $500 deductible, an 80% reimbursement rate, and a $10,000 coverage limit policy for that same pet was quoted at $18.60 per month. 

We also requested a quote for a two-year-old American Shorthair cat. A policy with a $250 deductible, an 80% reimbursement rate, and a $10,000 annual coverage limit was quoted at $15.23. A policy with a $100 deductible, a 90% reimbursement rate, and a $5,000 annual coverage limit was quoted at $21.18.

Keep in mind that quotes are subject to change and will differ based on location as well as your pet’s age and breed.


Figo also offers several optional add-ons, which they call Powerups. The Wellness Powerup comes with no waiting period, and includes coverage for vaccinations, spaying and neutering, bloodwork, dental, and heartworm medication. For the Border Collie above, wellness coverage was quoted at $9.50 per month for up to $135 in annual coverage or $16.50 per month for up to $250 in annual coverage.

The Veterinary Exam Fees add-on offers reimbursement for exam fees related to covered accidents and illnesses. Finally, the Extra Care Pack offers coverage for burial or cremation, a lost pet reward, vacation cancellation, boarding fees, and third-party liability.

What is Not Covered

Figo does not cover procedures related to breeding or pregnancy. Plans also do not cover behavioral therapies or most pre-existing conditions.

Waiting Periods

Figo has a one-day waiting period for accident coverage and a 14-day waiting period for illness coverage. For dogs, there is also a six-month waiting period for orthopedic coverage. This waiting period may be waived if your dog completes an orthopedic exam within the first 30 days of your policy.

Coverage Limits

Figo lets you choose between $5,000, $10,000, or unlimited annual coverage. 

Reimbursement and deductibles:

Figo offers reimbursement levels of 70%, 80%, 90%, or 100%. You can choose an annual deductible of $100, $250, $500, or $1,000. You must reach your annual deductible before your plan will pay out.

Here’s a breakdown of costs for several pet and coverage combinations. Quotes were obtained in August 2022 for pets in the state of Texas.

Pet
Annual Coverage Limit
Reimbursement Rate
Deductible
Monthly Premium
Three-year-old Border Collie
$10,000
70%
$250$18.60
Five-year-old Australian Shepherd
$10,000
80%
$100$37.13
Two-year-old American Shorthair
$10,000
80%
$100$18.70
Six-year-old American Longhair
$5,000
70%
$750$8.80

Claims and Service

Figo does not pay your vet directly, so you must pay upfront and then submit a claim for reimbursement. You can submit a claim for a covered procedure online or through the Figo mobile app. You just need to submit your bill along with the Figo claims form. Submitting a claim is very straightforward and only takes a few minutes. 

Claims support is available from 8am-5:30pm (CT) Monday-Friday by phone, email, and text message. Figo resolves most claims within three days and sends payment directly to your bank account.

What You Might Like

  • 24/7 video access to veterinary professionals via app
  • Orthopedic waiting period can be waived
  • Customizable quotes
  • Simple and fast claims process
  • No upper age limit for enrolling pets

What Figo Could do Better

  • Doesn’t cover behavioral therapies
  • Wellness add-on is pricey
  • Doesn’t pay vets directly on your behalf

Contact Details and Address

Phone (call or text): 844-738-3446 (Operating hours (all CT): Monday-Friday 7am-7pm, Saturday 8am-6pm, and text support only on Sunday 11am-3pm)

Email: support@figopetinsurance.com

Address: Figo Pet Insurance, 540 N Dearborn, Chicago, Illinois, 60654

Bottom Line

Figo is an online pet insurance provider that offers comprehensive plans for cats and dogs. You can easily customize your coverage to suit your pet’s needs and your budget. All plans include 24/7 access to veterinary professionals and add-ons are available to cover costs related to wellness and exam fees. It’s simple to file a claim online or through the Figo mobile app and most claims are paid in three days.

Methodology

This review is based on information on Figo’s website and quotes obtained using Figo’s online quote tool.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about FIGO
FIGO
Great
Reviews 1,123
on
Excellent
72%
Great
6%
Average
3%
Poor
4%
Bad
15%
c
customer
9 hours ago
Amazing pet insurance!
The claims process is quick, I love the access to a 24/7 vet, every customer service rep we have ever interacted with is friendly and helpful, the terms of each of our pets policies is extremely clear, and the plans are affordable.
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gabriela
2 days ago
If you are considering getting FIGO… PLEASE DON'T!!!
If you are considering buying FIGO pet insurance, please do yourself a favor and DON'T. We purchased pet insurance for our cat, she had an accident that required an amputation, and due to their "pre-existing conditions" clause, which basically says and any sign that shows your pet isn't in perfect health within the last year means that your pet has a pre-existing condition and therefore you will receive no reimbursement. FIGO did not reimburse any of the $7000.00 that went into surgery and visits and I sadly do not trust them to provide any if I appealed. I will no longer be supporting this insurance.
Q
queen
3 days ago
Efficient!!
This agent was friendly, helpful and courteous. She answered my questions, and offered a suggestion.
S
scott jacobsen
5 days ago
Insurance renewal was easy
Insurance renewal was easy. great information
G
gbrescia
5 days ago
Declined coverage:
We were shy of approx. 12 hours from the time our new rescue pooch saw the vet to the time our FIGO insurance kicked in and FIGO did not budge on covering our rescue pooches allergies. Our vet even wrote a letter explaining it was better to get the pooch in sooner than later to give an exam and to not cover her allergies because we were12 hours shy of the two week waiting period is deplorable. We have a claim number and they still declined to cover.
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wendy-wayne hughes
6 days ago
Best Insurance for Pets
Figo is affordable and reliable for all your pets needs. I have had them since 2019 and have added all my pets whenever I got one. Highly recommend Figo!!!!!
c
customer angry
7 days ago
Shady
The company is not up front on their coverage and makes the process very difficult. Only responds with email and escalations are taking months. Additionally for what I’ve paid in with three dogs and no claims it’s a small fortune.
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patricia reynolds
8 days ago
my dog got into some poison and had to…
my dog got into some poison and had to be taken to the ER vet. Figo paid 1/2
P
paul rich
9 days ago
Reimbursement is very quick and hassle free …
I really appreciate how quickly the reimbursement process takes when submitting claims. I’ve had a number of claims submitted with Figo and within a day or two the claim is approved and reimburse money is on the way to my checking account.
c
customer
3 days ago
unapproved medical expenses
update: by the way, the vet wrote the rx shampoo as noticing slight inflamed skin around wrinkles, belly, paws figo responded… see inflamed skin. hence ear infection rejection must be a insurance claim dept language that considers face wrinkles belly paw the same as an ear infection … wow original post: adopted a 3mth old Frenchie 05-22-21 went to vet regularly for up to date shots and recommendation on rx shampoo, ear cleaner found and signed up to FIGO 1-10-22 Frenchie went to vet for ear infection 7-23-22/300$ and dew claw accident 7-26-22 10-13-22/$688 submitted claims to apply these invoices against deductible only 135$ fee was applicable to count towards deductible, out of a whole entire listing of fee breakdowns. amazing
B
brianna
11 days ago
I have loved having Figo!!
I have loved having Figo!!! Kino&I appreciate everything you do!
J
james
11 days ago
Once you get the account setup…
Once you get the account setup correctly, it's smooth sailing. Figo makes it so easy to file claims and help me take care of my pups. All the reps I've spoken with have been first class and seem to really care about my pups.
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laurie
11 days ago
Thank You!
Customer service was fast and responsive. Very helpful.
J
julie
14 days ago
Canceled my account without contacting…
Canceled my account without contacting me. On thanksgiving night our dog had heavy blood from her rear end, rushed to Animal ER. To the point; After Maple’s final bill of $1000. Figo stated that our insurance had lapsed from a Citi Card Visa for no payment. We weren’t aware of the non payment “our fault”, and although Figo understood our situation they didn’t cover Maple’s medical bill, but was so nice to want to re-instate the previous policy and noted Maple’s new health situation would not be covered as it is now a reoccurring health problem. I learned that Figo and Company are only about saving money for the company and truly don’t care a hoot about the customer. Thanks for listening 😊
J
joe
16 days ago
Figo has denied every single claim
Figo has denied to help pay for every single claim we've ever submitted to them. No matter what the issue has been, they decide they have all been related to our dog having allergies, and that being a preexisting condition that she already had. Even our vet sent an email on our behalf to let them know that one of her issues was completely unrelated to allergies, they still refused to cover anything.
S
sandra
16 days ago
Fast and easy claims!
We’ve had Figo insurance for almost a year now and so happy we signed up! Both of our dogs ended up having multiple visits to the vet towards the end of last year and it was such a relieve to be able to get them the tests and procedures that they needed without worrying about the money. One dog had a broken tooth (which dentals are EXPENSIVE) and the other had a foxtail removal and digestive issues that had to be addressed. The process to submit claims is super fast and easy on their app or website. The longest we had to wait for a claim to be closed and paid was maybe about 2 weeks at the start because we needed to get them all the vet records from before starting the insurance. Once that was dealt with, all other claims have been closed and paid within a week at the most. We also have the Wellness add-on option and we have been reimbursed for preventative stuff like heart-worm tests and vaccines. Just yesterday, one of our dogs got the test and vaccines and the claim was approved the same day! We are very happy with the insurance so far and definitely plan on renewing!
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neil
18 days ago
Declined on incidental visit
Declined on incidental visit. Not confident with service. Considering canceling !
s
sa
19 days ago
our first claim was taken care of in…
our first claim was taken care of in the same day, vet online help was excellent- thank you
A
a. m.
19 days ago
Huge lack of communication
We pay yearly. On our Figo account and in our Figo pet cloud it clearly stated our yearly bill of over $900 ( which is up $400 more than last year! )was to be taken out Jan 8th. What a shock to see it was taken out without any warning a full 10 days before it was even due 3 days after Christmas at that. I called Figo and they said well if you pay yearly they take it out 10 days early Thanks for the warning Figo. 😡 As far as an explanation of why it went up $400 more I was told age was a factor. What a rip off and Figo's way of trying to push older dogs out of their business.
E
edward
20 days ago
Good insurance
Sammey needed her bortatella shot and insurances covered it 😊 all I had to do was photograph the invoice from her vet and Figo took. Are of the rest I’m very satisfied
L
lp
21 days ago
it couldn’t have been EASIER
I would say it couldn’t have been easier for reimbursement. Fast, courteous and lived up to every promise!
k
kev
22 days ago
Horrible claims coverage experience…
Purchased pet insurance with Figo on March 8th 2022 after speaking with a representative and was assured ease of use and reimbursement with non pre-existing conditions. Note that we already had pet insurance and never would have switched if we were given grace period policies. Our pet was in excellent health with regular vet visits (all documented). Six months later we took our pet to the vet for an immediate visit due to limping. Surgery was administered shortly after (again all documented). The appt was on Sept 14th, which falls after the grace period (Sept 9th) yet the insurance company is claiming that this is a pre-existing condition, which it is NOT. I have made two appeals with the insurance company and both were denied. You are not given more than two appeal attempts (how convenient for Figo). The vet also wrote two letters summarizing the events and that it was not a pre-existing condition. I have also submitted a claim & complaint with my state division of insurance. It seems Figo will do just about anything to deny claims on the basis that they are all pre-existing. Pay the extra $20 for a better insurance company that will actually take care of your pet in need and not leave you out to dry with financial burden.
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julianna
22 days ago
Smooth Process
Smooth Process! I found Figo through Costco for our new pup. We sign up online, picked a vet easily, and when we took our dog to the vet and got the invoice we submitted it same day as the vet appointment via the app - really easy to use! I was able to set up my bank routing information and received the reimbursement within a few days! Such a great experience!
A
angela
22 days ago
Fast review and easy process
This was the easiest claim I have ever processed. Fast review and just overall great experience!
B
benjamin
22 days ago
very mediocre to kinda lousy service. ok product.
Their web experience is a mess with contradicting information in many places between blogs, marketing, and how people respond in support and on the phone. You sign up at figo, but don't return their to login - separate URL which is odd, and not even a login link from the marketing website. I've had support emails answered in 10 minutes and go unanswered over 5+ days. Their wellness package is OK, but the premium package on a plan should cover more than 50% of things like totally standard vaccinations at standard prices.
B
barbara
23 days ago
Process was easy with step by step…
Process was easy with step by step details.
J
jade stephenson
23 days ago
Fast and easy claims
Fast and easy claims
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oliver's mom
a month ago
Avoid the hard decisions and get this coverage!
After watching our daughter spend over $5k on emergency services for her dying kitty we realized it wasn't a situation we ever wanted to be in. The yearly fee is very reasonable and provides a welcome peace of mind.
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leslie douda
a month ago
Figo hides all of the tiny printed…
Figo hides all of the tiny printed details in their policy information. Essentially what it says, when I finally found it is that in the first 6 months of coverage,( in my case a 10 week old puppy) everything is an exclusion including anything orthopedic, gastrointestinal and skin related. That is basically EVERYTHING! If you make a single claim in the first 6 months, it is considered a pre-existing condition and therefore will NEVER be covered again in the pups life. This insurance is a SCAM. The policy was $104 and I paid for 9 months before I read the other reviews and realized how useless this insurance is. CANCEL NOW!!
c
customer
a month ago
I have not been reimbursed for my claim
I have not been reimbursed for my claim
S
sara
a month ago
The best experience
I’ve had pet insurance on my last 2 dogs and FIGO is absolutely be the best user experience that I’ve had. There is no guesswork, and you’re guided through the claims process step by step. The coverage and options are the best that I’ve researched and I will use this company for all future pets.
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wm
a month ago
They pay great and filing is so simple…
They pay great and filing is so simple but rates have skyrocketed unfortunately.
H
harmoni
a month ago
Worts company ever
Worts company ever, do you’re a favor and don’t use them, I have nationwide and lemonade for my other two pets and Figo is a complete scam and headache. Their claims ppl are rude and just repeat the same memorized BS , I was told my dog was insured after her wellness and vet records as a puppy, two years later she has an injury and they are wanting all new records since she has been insured. WHY??? She’s already insured… my vet has sent them and they keep saying they don’t have them and need more, even her adoption records and company i adopted her from? What the actual fXK? I didn’t get her from an adoption agency and she was declared healthy at 5 months when I hit her from a vet, now at 2.5 years of paying for her insurance and I need to file a claim and they are giving me the run around! Don’t get this insurance!!
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karen
a month ago
Beware…
I completely regret changing my dogs insurance to FIGO. If I had known that FIGO would refuse to reimburse expenses such as allergy shots and ear treatments, which my previous insurance covered, under the claim that they are “pre-existing conditions, I NEVER would have switched. If I could give zero stars I would. It’s not transparent or enough to claim that the “pre-existing” language is in their policy/paperwork. FIGO should be more transparent and clear an out the fact they won’t reimburse for ANY procedure your dog received prior to getting their insurance “coverage”. FIGO SUCKS!
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customer
a month ago
The app and vet chat are fine
The app and vet chat are fine. Every time I went to the emergency vet i still paid hundreds of dollars because figo doesn’t want to cover most expenses. I would look elsewhere.
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sandy mayavskicustomer
a month ago
I have been lucky and haven’t had a…
I have been lucky and haven’t had a claim for my dog. But, I am not happy about the increase in the premium. My dog is only three and very healthy but my insurance increased over 100.00. I think it’s sad because we try to take good care of our dogs but many people cannot afford expensive dog insurance.
c
customer
a month ago
I want to be able to change my…
I want to be able to change my coverage. The coverage I have did not cover what I was told it was supposed to. I can’t figure out how to do that. It’s confusing to use.
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frank
a month ago
Very professional and quick to answer…
Very professional and quick to answer questions. Claim process was quick and easy.
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kathleen
a month ago
Claim was taken care of very quickly!
Claim was taken care of very quickly!
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shannon
a month ago
Figo 1 year
As long as you follow guidelines, has been easy to make claims. Wish you weren't charged to pay monthly
T
tina
a month ago
Very Quick and Easy
Easy to submit a claim and had money in my account within two days. What could be better?
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nancy lemay
a month ago
Great Overall Experience Including Filing Claims
Fantastic experience from enrolling to filing claims process. I had selected Figo Insurance after doing a lots of research on insurance providers and I have no regrets. I enrolled immediately after getting my kitten. within the first year, I had to file 2 unexpected claims for my baby cat. I provided exactly the documentation Figo requested ( including the medical notes from the vet) via the phone application. It was very fast turnaround process and get paid quickly. At the same time, I renewed my second year insurance policy which stays pretty much the same. I am very happy with Figo and very happy with my choice.
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c adams
a month ago
Figo really let our family down
Figo really let our family down. They go out of their way to not pay on your claims, even going against what the treating vet has documented. Our vet was so upset she even contacted them directly and they still won’t pay the claim. Do not waste your money.
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arsalan
a month ago
I got this insurance thought it’s…
I got this insurance thought it’s Costco they have good customer service but they never paid any of my bills I send the bills but no credit they always ask you to take your pet to vet first and send us the bill it’s all lie.
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benjamin
a month ago
I purchased premium everything
I purchased premium everything. Would more reasonable if actual coverages aligned more to very normal costs of common items. Disapointing to have the first very standard appointment be covered under premium plan at about 1/3 total cost.
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jose rodriguez
a month ago
Claim was DENIED! Figo will work hard to Deny claim
Claim was DENIED! My pet became ill took him to Vet, Payed $750 to Vet. Submitted receipts to FIGO. But Figo denied claim. The reason? “Pre-existing condition” My puppy had diarrhea in Dec 2021 due to getting my pet accustomed to correct puppy food. In 2022 he was in contact to other sick dogs at park. He came down with diarrhea. FIGO Denied claim for pre-existing condition! Ridiculous!
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courtney
a month ago
Stress free and efficient!
Figo makes filing a claim very easy and efficient! They were very timely in reimbursement for the claim and made things very stress free!
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joseph
a month ago
Ease of use and professional service
Ease of use and very professional service
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isis c
a month ago
All insurance is a scam…
The price of the Wellness power up is not worth the amount of the refund versus the amount of out of pocket cost. For example, first ever vet visit (4 month old kitten), two vaccines, total of $95.99. I have the Wellness Plus package which covers $50 of vaccines. I covered $45.99 for vaccines this visit. I still have another round of the feline distemper shot to go (another $55.29), yet I’ve already reached my max in the very first vet visit in this kittens lifetime. So I will be paying an out of pocket total (JUST for vaccines) of $101.28. Yet I am paying $198 for a year of the Wellness Plus AND paying more than that out of pocket for completely necessary vaccines and more. After the ONE visit I’ve hit my max on vaccines, wellness exams, AND tests. Spent a total of $256.78 and only got $135 back…
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ramy
a month ago
Fast and easy claim!
Fast and easy claim! Love how everything is easy to use
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pollo's mom
a month ago
It's so easy!
It's so easy! Figo makes it very easy to file a claim and the turnaround time to receive your refund is very quick. I'm so glad we got the insurance for our pup!
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valerie
a month ago
Easy invoice upload…quick payment
Easy invoice upload…quick payment
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katie
a month ago
Not super happy
Our insurance recently renewed and increased $300 without any reasoning given or phone call from Figo. In the years that we have had the insurance, they haven't covered much and decline most of our claims. I get the insurance going up YOY due to the dogs age but $300 seems ridiculous especially given they don't really cover anything and deny our claims. They tried to do the same thing last year and I called and sat on the phone with them for two hours to finally get it down to $20 more vs. $300. So, looks like I have another long phone call in my future. Will be investigating other plans as well.
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christian
2 months ago
Thx Figo
User friendly and friendly people…
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customer
2 months ago
Ease of use adding my new puppy.
Ease of use adding my new puppy.
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customer debg
2 months ago
No claims yet.
No claims yet.
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kendra
2 months ago
$4000 worth of claims and $0 given
We submitted almost $4000 worth of claims, related to our dog getting sick a few times & having to have surgery that cost much more than initially thought. Figo insurance didn’t cover a single dollar. We pay almost $60 a month and to not have anything covered - including sickness, exams or medicine related to that sickness, and a specific surgery required - feels like a scam. Do not purchase Figo! We will be cancelling and finding another insurance that actually helps cover unexpected fees related to the care of our dog.
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brad chesson
2 months ago
Easy!
Easy paperwork process, fast service on sending the reimbursement.
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norm susser
2 months ago
I appealed a decision
I appealed a denial of benefits. On 12/20, that appeal was denied in spite of my having submitted doctor's notes that the condition treated was not pre-existing. This does not make me feel like Figo is a good insurance company or that the company has my back.
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michele
2 months ago
Easy to submit claims
We are new to pet insurance and Figo was easy to submit a claim.
A
anonymous
2 months ago
Not a “best for pets and people”…
Not a “best for pets and people” company - an insurance company through and through.
M
michael b.
2 months ago
I have put in claims on 3 different…
I have put in claims on 3 different occasions for 2 different pets and they haven’t covered anything. If you don’t read every letter in their small print you’re going to get screwed! Just like personal health insurance, they continue to raise their rates just to cover less and less each year. If you try their chat feature, you won’t get a response back for at least 2 days, so I suggest calling. In short, skip the insurance and pay out of pocket because it will cost you less in the long run! Otherwise, you’ll pay out of pocket for vet expenses and still pay out of pocket for the insurance policy that won’t cover any costs
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regina
2 months ago
The claims process is easy to use.file a…
The claims process is easy to file a claim and Figo sends speedy notification of the claim status.
D
danf
2 months ago
Pleased with policy coverages and…
Pleased with policy coverages and pricing. Makes our life worry free
M
michael
2 months ago
very fast on a claim and payment
very fast on a claim and payment
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justin kiser
2 months ago
I’m very disappointed appoints service…
I’m very disappointed appoints service I emailed you about my last claim and still haven’t heard back? It was for Mimi’s spay surgery 9/28
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holly huntoon
2 months ago
A lot of work on our end to get…
A lot of work on our end to get reimbursed and wasn’t as quick as we had hoped
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pepper jones
2 months ago
I love Figo!
I think the biggest praise I have for Figo is the ease of use of the app. I have had to file multiple claims for my puppy BamBam. It was just a few clicks and then a direct deposit in less than a week each time. Seamless. Even when I have had to contact someone in person or via chat, the experience was pleasant. I love Figo and have recommended them to all my pet parent friends.
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rich m
2 months ago
I had no issues so far
I had no issues so far
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melissa
2 months ago
Fast response time
Fast response time. No issues and fair reimbursement amount.
J
jeffrey
2 months ago
Easy and fast claim process!
This is my second year of using Figo and I will say I’m enjoying it more this time around. It took me awhile to understand the claim process. Yesterday, I had a wonderful experience. I love how easy and fast my claim was processed!
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lourdes
2 months ago
I am 100% satisfied with Figo
I am 100% satisfied with Figo. I love the Pet Cloud app. The 24/7 vet chat service is extraordinary and had saved me a couple of visit to the vet office. I submitted a claim and they reimbursed as promised. I renewed my contract; already on our second year.
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wolverineblue
2 months ago
An app for your pet that is as good as the one you use for yourself
I love the app. Customer service is prompt And professional. Lots of articles and helpful advice.
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catrenia
2 months ago
It was very easy to file my claim and…
It was very easy to file my claim and it was handled quickly and successfully.
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nuria
2 months ago
I like how easy has been the whole…
I like how easy has been the whole process since we got the services. Making a claim is an easy process, the app has a lot of resources to help the pet owners to get other services in the area where we live, like groomer, vet, walkers, etc.
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marie
2 months ago
Quick response
Quick response. Reimbursements issued fast.
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rich young
2 months ago
Twice you haven’t approved my dog’s…
Twice you haven’t approved my dog’s claims that I sent in. I’m really not sure Costco puts their name on your company.
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debbieustomer
3 months ago
My first time ever filing a claim and…
My first time ever filing a claim and was pleasantly surprised when my reimbursement was deposited in three days! Very happy with coverage, cost and service.
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bullybreedmom
3 months ago
Customer Service is excellent
Customer Service is excellent! They are very helpful in answering my questions.
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dorinda
3 months ago
Love the website
It was so easy to process a claim and have fast it was approved. I love the website, so much information and easy to navigate. I’m glad I choose Figo for my pet insurance.
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todd carlson
3 months ago
I'm displeased with the rate increase
I'm displeased with the rate increase, and concerned about future increases, and the answers I looked for were not clear.
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stacey
3 months ago
Excellent and proficient claims processing
Figo has very quick claim processing turn around time. They are easy to work with when filing a claim.
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tamberine
3 months ago
Helpful staff
Helped a lot when I didn't understand how to use the app. Appreciate you all!
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mike
3 months ago
Not the most helpful when in need
Not the most helpful when a claim needs to be filed. There are too many stipulations and fine print and disqualify coverage. Not to mention of your ever had an issues prior to having the pet insurance it qualifies as a preexisting condition. For instance, if your pet gets an ear infection prior to the policy being instituted and it gets and ear infection after that qualifies as a preexisting condition. Not kidding! Don’t expect to use the insurance to cover much of anything except accidents. Company does offer a few different plans for coverage and out of pocket but it will cost you.
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sandy
3 months ago
Excellent company, highly recommend
Figo was wonderful after my dog had emergency surgery! It was super easy and fast to upload the documents, they paid the claim super fast with a detailed sheet explaining what was accepted and what was denied. I recommend them to my clients and friends.
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dhara
3 months ago
This is the best pet insurance!
This is the best pet insurance! I took my cat to the vet for a vaccine and a wellness exam. The same day I filed a claim, the claim was reviewed and I was reimbursed. Having insurance for my baby gives me such peace of mind.
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customer
3 months ago
I had no problems so far
I had no problems so far. Very nice customer service.
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customer
3 months ago
Don’t have anything to rate it on…
Don’t have anything to rate it on…
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julissa
3 months ago
Quick Customer Service Response
Quick customer service turn around. Quick reimbursement of funds.
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elaine ankney
3 months ago
I don’t like the fact that you and the…
I don’t like the fact that you and the vet do not work together. And I have to fill out forms to get my money returned. I am a senior and am not good on this thing. I get frustrated. Thought they would pay the vet but I had to
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emma
3 months ago
Once the paperwork is available
Once the paperwork is available, you get the money back within couple of days. Responsive and claimed process timely. The app is easy to use.
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customer
3 months ago
Great service… no issues!!
Great service… no issues!! We’ve had this insurance for over a year….. we’re quite happy‼️
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customer
3 months ago
Why you’re keep increasing the monthly…
Why you’re keep increasing the monthly fee? When my dog doesn’t have any history of sickness and issues
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danny
3 months ago
Claim experience
Easy to complete forms. Easy upload docs. Quick response to claim and payment.
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jep
3 months ago
Love this company
Love this company! I have had them for over a year now, and while I haven’t had to contact them frequently (knock on wood), when I have had to they are courteous and knowledgeable. The reimbursements arrive quickly and without issue! I highly recommend them to everyone!
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karen
3 months ago
Easy to submit bills
Easy to submit bills. Quick reimbursements.
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myra miller
3 months ago
Good Health advice for our loved pets.
I like the knowledge of having insurance for our pet "BUSTER" , but I need a copy of the insurance policy so I can be surer of what I am able to us your insurance for. Some how our policy has gotten lost. Buster is a RESCUE dog and we are learning he has some medical problems (intestinal/skin) which require regular shots on various medicines. Please send us a copy. Thank You and very glad to have your company available. MYRA & VERNON MILLER
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david paz
3 months ago
The site is very easy to understand and…
The site is very easy to understand and use. Submitting claims is a breeze.
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customer
3 months ago
I had one emergancy with my dog ear…
I had one emergancy with my dog ear getting bit off. and you refused to pay because I did have prior paperwork . Are you kidding? there was no prior paperwork. I cancled, you did not refund the rest of the year and now you have the aducity to bill me. I want my refund.
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customer
3 months ago
Claims & Appeals - NO POINT IN MAKING ONE!
Not happy with my most recent claim. Not only was it handled in an untimely manner, but the outcome was completely unfair to me. The vet wrote a letter explaining how a recent issue I went in for was not related to a preexisting condition. Figo took way too long to look at this appeal and only to deny it anyway. Figo isn't living up to it's end of the deal and I would've preferred to speak to a live person about it (I have and had to call myself).