[GoHawks]

I’ve had Figo for about six months now for my 30-ish pound mixed breed pup, and overall, I’ve been pretty happy with it. The claims process has been smooth, and I haven’t had any issues with reimbursements. That said, I just got a quote from Pets Best, and I can get more coverage for a lower monthly premium, which has me considering a switch.

For those of you who have moved from Figo to Pets Best, or have experience with both, how did they compare? Was the claims process just as easy? Did you notice a difference in how quickly you were reimbursed? Also, I know Pets Best has some negative reviews about slow processing times—has that improved?

[Kimberly Alt]

Hey! I was in the same boat a while back. I had Figo for about a year and really liked how easy the claims process was. Their app is super user-friendly, and I never had issues getting reimbursed. The only downside? My premium jumped a lot at renewal, which made me start looking around.

I got a quote from Pets Best, and like you, I realized I could get more coverage for less money. I was nervous about switching since I had no complaints about Figo’s service, but I ended up going with Pets Best, and here’s what I’ve learned in my research:

• Claims Processing – Definitely slower than Figo. Claim reimbursement is currently averaging 10 days, whereas Figo usually paid me within 3 days. Not a dealbreaker for me, but something to consider.
• Coverage & Cost – I was able to increase my reimbursement percentage, annual payout limit, and lower my deductible for a lower monthly premium, so financially, it made sense. Figo includes complementary care in its base policy, but it’s an add-on for Pets Best. Otherwise, coverage is fairly comparable. Figo also has a diminishing deductible (it decreases by $50 each year you go claim-free until it hits $0), which could save you money if your pet stays healthy.
• Customer Service – I haven’t had any major issues, but I’ve seen complaints about long phone wait times with Pets Best. I’ve mostly used email and their online portal/app.

Overall, I’m happy I switched, but if super-fast reimbursements are important to you, Figo might be the better option. If you don’t mind waiting a little longer but want more coverage for less money, then Pets Best is solid.

If you want a detailed breakdown, you can read my full comparison here—it includes everything I’ve learned from using both providers.

Hope that helps! Let me know if you have any other questions.

[Author]

Posts