Figo Pet Insurance

I am so ashamed of myself for signing up for this pet insurance. I have been paying on my policy for almost a year. I needed to file a claim for my cat as she was throwing up. I took her to the vet hospital they really did not find anything wrong with her. They did give her some medicine as they felt she may be having a problem with defecating. My cat had this problem around 3 years ago but the vet did not find anything that was causing this. She said she may have eaten something that caused this. Of course, when I submitted my claim to FIGO they denied it as they stated that this was a precondition that was not covered. My total vet bill was $932. I agreed to the additional testing as I thought I was covered under this insurance plan. Big mistake!!!! When I called the lady would not provide me the legal address to provide to my attorney nor would she provide me anyone else to speak with. She stated that she was the only person in the office.

Started my policy when my puppy was less than one year. When it came time for policy renewal (one year later), they raised our premium from $352.81 to $618.65 and deductible from $200 to $500. Needless to say, I'm canceling my policy.

I have recently found out my cat has cancer. I submitted all prior medical records and two claims to cover the initial costs for the exams. I'm being told it can take up to two weeks for this to be back in my account. She has never had a pre-existing condition and I'm so sick because the bills are rising and this insurance company is not doing anything. Why pay a monthly premium and do everything they ask, and it's complete silence while your pet is sick and needs help. I'm running out of money and no answer from them on at least where they are in the process is frustrating and stressful during a time that is difficult already. This is the whole reason I got insurance is in case my pet is sick and I can't get any help here. You should really be more responsive and let your customers know where the claims are in the process and it shouldn't take this long to be paid back.

Cost to sign up our 3 yr old tabby with no prior medical issues was $209. Then a year later they increased premium to $420. Their only explanation was that the cost of writing insurance policies had increased, so they had to adjust their premiums accordingly. See ya later, Figo!

Do not buy this insurance. It's a total bait and switch. They have attractive rates when you start, but last year my premium went up 25%, and they said it was a adjustment to level their prices with other companies. I just got my annual increase, and this year it went up over 30%. Their prices go up faster than even my own health care costs. They will respond to this and other postings saying they will work with you, but all that means is that they will adjust your coverage to make your monthly payment lower, but you are also giving up coverage or raising your deductibles. My dog is only 2 and has been very healthy. There is no reason for these types of increases except pure greed on their part.

I had Figo on my little puppy. I also paid extra to cover vet visits. I submitted three separate claims and they denied all of them. They gave me the runaround on why they declined my claims. They had no intention on paying the claims so my advice cancel this insurance if you have it and find an insurance that actually works. Don’t waste your money on this one. You won’t see a dime of the money owed to you.

We were covered by FIGO from July 2017 until July 2018. Prior to coverage effect we took our kitten to our vet for her first check-up and she was found healthy. We submitted the records to FIGO as required. During the first several months, they refused every claim for our 4 month old kitten asserting everything was a "pre-existing condition".

Expect slow processing and then if you have a question or complaint, someone to argue with you about how you don’t know how insurance works. Not happy so far. They want vet records for everything uploaded and then it just sits there in an uploaded file. Have been paying premiums but have not received a payment for anything yet.