Nothing is ever covered. No explanation or follow up besides a vague eob.

My dog was given a preexisting condition for her entire rear end from 1 vet visit that I asked for doggy Advil to help with recovery after Flyball and agility practice. She didn’t have any pain, vet noted no issues, vet noted no injuries or dog showing any sign of pain. I still don’t understand the preexisting condition my dog has and figo refuses to work with me or actually look into the condition they’re claiming is preexisting. She was seen by multiple rehab vets who also back up that my dog has no injury or any signs of pain yet figo refuses to listen to any of them over one vet noting “PERCEIVED owner discomfort after extreme exertion” vet notes no signs of pain or injury. I never knew a very tired dog was considered pre existing to figo when a vet noted multiple times there’s nothing wrong with the dog

I filed 2 claims and have never received a ck to compensate me for the vet visits.

No one calls you when there are issues with claim. All my claims keep on getting declined and closed. Never had this experience with a pet insurance

Figo does not honor their insurance - and goes out of their way to say no. I took dog to the ER vet for a severely torn toenail. They had to sedate my dog to remove it. Figo denied the claim saying that the ER diagnostic fee is not covered and that the toenail procedure cost was in excess. This is my first claim, and the total bill was around $440. Less my $250 deductible and 80% average, Figo should have paid out about $150. Why have insurance if I can’t use it?

Everything that I submitted was rejected. I lost faith in it and what this company stands for. It's too bad because I would have stayed with them for the life of my pet. Unfortunately, I am taking my business elsewhere.

Wouldn’t do it again, price keeps increasing

Have to not used it, so I cannot respond to good or bad service.

Too expensive for what it is. They fight any claim you make and don’t cover much. They are pretty blunt about letting you know anything you submit they will dig deep in your pets medical to not pay you a dime. I’ve paid them thousands this year for my pets and I’ve had them apply $18 to my deductible. Look elsewhere.

All of my submitted claims were denied without further explanation. Both of my pets were seen at the vet and none of the wellness visits we’re covered. Nothing! At this point I’m tempted to cancel our coverage. Dissatisfied