Figo Pet Insurance Reviews

They were great the first year I had them. Easy claim submission and quick turn around with quick reimbursement via direct deposit. The past year has been the complete opposite. Takes one to two months for a claim to be reimbursed. Reimbursements are low compared to cost. The amount of records they request now is also ridiculous. Would NOT recommend since everything they claim to be is no longer true.

I have had Figo for 4+ years and I used to recommend it to people because the process was smooth and reimbursement was quick. For the past year it has been horrible and when I get a response from Figo I have had to go back and forth many times with the same questions and answers from me because they don't read or listen the first time to the problem. My dog has allergies and has been on the program since before those allergies came about or were known and I still have difficulty getting reimbursed in a timely manner. I've had to keep a close eye on all my claims because without my constant reviewing the claims get closed or not looked at. In my account in the app I still have a claim listed from March which is crazy. If my pet didn't have what would now be a preexisting condition I would 100% be switching to a different provider.

My dog recently had to have a tooth removed surgically. I have the 90% coverage for him. The forms were submitted and a month later I had my check for the 90%. I personally figured out what they would pay, after my deductible was paid and they were spot on with my calculation! Their accuracy and reimbursement speed was amazing. This a a great dog insurance company and I’m just happy I chose them years back! Thank you FIGO. 🥰

They never payout any claims and give you a garbage excuse not to. The better option is to take the monthly premiums and deductible and put it in a rainy day account and you will end up doing better. I am reporting them to the insurance commissioner so they can investigate this scam of an operation.

Horrible company. Before moving forward with services at the vet, we specifically called and asked multiple questions to confirm what would and would not be covered. We relied on the information given to us over the phone, only to later find out the coverage was denied. When we called back for help, the representatives offered no real solution, refused to escalate the issue to a supervisor, and would not review the recorded calls to verify what we had originally been told. On top of that, they also refused to fully cover our puppy’s required vaccinations, claiming we had somehow already maxed out the vaccine coverage. Extremely disappointing customer service and communication overall.

They will always find an excuse to not pay claims, after requesting massive amounts of documents supporting the claim. Now, almost a year later, they inform me that they just received and reviewed the Ortho waiver signed by my Vet because it was past the deadline. We bought my puppy on May2, 2025; picked him up on May 3 and took him to our Vet on May 6th for a Comprehensive Exam, INCLUDING THE ORTHO WAIVER, which he signed. These guys are scam artists. Stay away.

If no stars was an option, that's what they would get. Made a claim followed all instructions and of course they denied it based on a tiny technicality that they claim can be undone based on strict underwriting policies. It was simply a form uploading glitch. They are extremely dishonest! If you go with them they will use every excuse not to pay out! DO NOT BUY INTO FIGO SCAM!!!

I am extremely disappointed with how my pet insurance claim was handled. We submitted our claim on 1/6/2026 and received confirmation on 1/10/2026 that it was open. Then on 1/23/2026, we were told additional documents were needed from the vet. I immediately collected everything and submitted the requested documentation. By 1/28/2026, I noticed the claim had been closed without clear explanation, so I had to resubmit a brand-new claim with all documents and invoices attached.

This exact behavior happened with my case. Claim Number: **. The FIGO claims team appears extremely lazy and careless. On my most recent claim, the veterinary receipt clearly showed a prior balance adjustment, yet instead of doing basic due diligence, they closed the entire claim as “Non-Covered Charges” without any real explanation. They did not call the veterinary clinic. They did not request clarification properly. They did not cite a single policy exclusion. They simply saw a line item showing a balance adjustment on the receipt and auto-denied the claim. This is especially unacceptable because the visit was for a corneal ulcer, a legitimate medical condition that is clearly covered under their policy. Denying a covered medical condition over a resolved accounting line shows a complete lack of effort and medical review.

Figo is a typical insurance scam and should not be linked to Costco whatsoever. I’ve been denied compensation or help with 2 different pets for the sleaziest reasons. Take your money anywhere else. Figo pets will gladly take your monthly payment but will leave you high and dry when you need coverage or file a claim—regardless if you met your deductible. I don’t know why my original post was removed but I am re submitting this review to help anyone from being scammed. Figo pets saw my last post and responded claiming they were going to “look” into it. Nothing came of it and there response was just to give the illusion that they were going to compensate me or attempt to right the wrong done to me. Hope this helps someone from being scammed like me.