Figo Pet Insurance Reviews

Absolutely awful. I was warned this was a racket and they would deny claims in any way possible, and my first claim in over three years they denied immediately. DO NOT PURCHASE. If I could give this zero stars I would.

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 coz 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 am not recommending this insurance. It is difficult to communicate with them. If you want an email containing an explanation of benefits, you need to call to ask for an email to understand why your claim was not paid. The person who answers the phone is patient and tries to do her job, but the insurance policy itself is very disappointing. Pet Cloud is easy to use to submit claims. They try to do anything in their power to reject every claim, no matter how legitimate and how extensive the provided paperwork is.

I purchased Figo several months ago. My 4 y/o healthy dog developed an anal abscess and it exploded in a matter of hours. It was 12:30 AM. Went to VET and they took great care of her. $700 emergency and they reimbursed me $124.07. WORST PET INS EVER!!!! They didn’t cover the exam! How can they treat her w/o an exam? Didn’t pay for pain meds!! Terrible.

So sad Costco has linked to this scam insurance program when you normally regard them as providing value and quality; FIGO is neither. They con you with introductory price with waiting periods, then after 1 year jack the price 65%. My 7 yr. old lab with no history of illness, accident or claims, jumped from $787 to $1198 with no claims. Go elsewhere for insurance for your pet and COSTCO, stop representing poor quality rip offs like FIGO the pyramid scheme of insurance.

What a scam! Do not buy this insurance. @Costco should be ashamed of such a scam. Website doesn't work and when it does, can't open the pdf's, very slow in opening pages, refuse every claim saying it's pre-condition. How can a neuter dog have a pre-condition. Sue them, shut them down, don't be foolish.

I had a $500 deductible with a 70% "reimbursement" plan. One would think that it would cover 70%. NOT AT ALL. After my dog started vomiting and could not stop I decided to take him to the after hours vet. He is 2.5 years old and has no preexisting condition. I had a false sense of confidence because I had pet insurance. Had I not had pet insurance I probably would have waited a bit before taking him to the vet. My dog was fine. The visit was $1,000 and Figo covered $100? It is a SCAM!

I thought I had done a thorough job comparing pet insurance prior to picking Figo - and it was tied to Costco, which made me feel more secure choosing them for our dogs. Before choosing Figo, my older dog had great coverage with Nationwide, and the puppy we adopted was covered by Trupanion. The puppy has a lot of anxiety and Trupanion covered that complaint - what I didn't realize was that Figo would consider that a preexisting condition and exclude all behavior issues from coverage. My older dog has displayed some aggressive behavior towards the puppy, and now we need to see a behavior specialist.

I have had a truly awful experience with Figo, if I could give it 0 stars I would. I am not usually a review person, but I hate the idea of any other pet parent going through this hell. After an extremely stressful time, with multiple ER visits, Figo has done nothing but add to my stress. They have denied almost everything I submitted, despite the fact that these services should be covered under the policy. They did not properly review the medical documents I provided, and provided denial codes that were not applicable to the case. For example, in one case they denied my claim because they said it was heartworm related - this was completely unsubstantiated, as she was hospitalized for high kidney levels, completely unrelated to heartworm. The medical records I provided do not even mention the word 'heartworm' in them.

My Lhaso Apso is 11 and has had some problems in the past but I thought I would give it a try. After only having the insurance for 10 days my dog began bumping into furniture so I knew she had to have something wrong with her eyes. Called a specialist to have her checked out and she had two detached retinas which caused sudden blindness. This was on the 11th day. Sent in claim and it went in review. Several blood tests were ordered and I had those done on the 14th day. Both claims denied because there was a 14 day waiting period. Ok makes sense, no problem!