Figo Pet Insurance Reviews

We switched to Figo because they claimed to provide more coverage for about the same cost as our prior pet insurance. In the last year, since we switched our dog experiences new a illness and an injury. They have denied every claim and everything is processed through AI. When you submit a dispute they continue to deny claims even though you point out discrepancies in their policy. Waste of money.

Absolutely disgraceful experience. My name is Tiam **, and I will never recommend Figo to anyone. Figo denied my claim by calling it a pre-existing condition. I appealed the decision and went out of my way to obtain a signed letter from the Chief Medical Officer of the treating veterinary hospital, who stated that my dog’s episodes are not related and should not be considered pre-existing. Even after providing that documentation, my appeal has continued to drag on.

I bought this insurance thinking it would be great if it is back by Costco but I was wrong! This is a SCAM!! I filed my first claim of less than $200 sending all the paperwork back to them related to my pet's injury and also the last year of pet's exams (which I have with Banfield Pet Hospital in a wellness plan) and the underwriter requested more paperwork, some of them already in the claim department. My only conclusion of requesting so much paperwork for this small claim is to have the customer get tired of the claim so he can abandon it (as I did). I did purchase a much cheaper insurance with the same deductibles, etc. with PetsBets and do not want any more business with this company. I think Costco should review the qualification of this company before having it as a referral for your pet insurance.

Make sure to read the fine print on their waiting periods for specific issues. When you have an emergency and your dog is literally yelping in pain with no pre-existing issues, and you end up with thousands in medical bills, they won't cover it, if it's not past the waiting period.

I went with Figo because it was competitively priced. But with that price came terrible service. Very slow claim processing and they bombard you with requests for additional records. At the time I signed up they were offering a small Amazon gift card. I waited weeks and called 6 times before I received it. That alone should have indicated how poor their service is when they can’t even get an incentive offer out to a new customer. I cancelled before the first and only claim I submitted had been processed. The claim was just for a tummy ache.

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.

I don’t understand how this insurance is associated with Costco at all. I’ve had 2 bad experiences with 2 different healthy pets that ended in zero coverage for the sneakiest reasons. I feel like they are using the Costco platform to sell you worthless insurance that will not cover you, regardless if you meet your deductible or not. They seem to always find a reason to not cover you or to find a way to play with the deductible you meet and pay so that you end up not meeting the deductible after they supposedly cover some costs. Save your money and go anywhere else. They’ve done with this to me twice too many times and I can only imagine now many other customers. I will be following up with the Better Business Bureau. Hope this helps anyone looking for a good insurance.

As with other reviewers, this pet insurance I believe is fraudulent. They will come up with any excuse not to pay. We've had them for 5 years with zero claims. Our dog had a straightforward dog bite that required stiches and some antibiotics from the emergency clinic and 2 months later we still have not been reimbursed. Nothing complicated about the claim at all. They'll tell you what you want to hear over the phone when you're forced to call them multiple times but then they do nothing in hopes you forget about it or become so frustrated that you just give up. They'll try to wear you down with claims that they didn't see your emails or didn't receive documents you submitted. Stay away from this company. There are so many others to choose from. Shame on Costco for partnering with Figo.

Very bad insurance. I made my first claim because my puppy had rashes on his skin and did not cover the bill. It's okay, I did the second one 6 months later for an ear infection and they looked for any excuse not to cover the bill of the visit to the vet. I'm very sad I put a lot of money out of my bag. Cancel the policy.

This insurance company is a fraud. Same as other reviewers' comments, I trusted Costco so I signed up with them. I chose the most expensive plan, which mentioned that it'll cover mostly everything. I submitted the bill, and they cover NOTHING. Called customer service and they denied and comes up with excuses why it was not covered. I am going to cancel with them and go somewhere else. DON'T buy insurance from this company. It's a fraud.

I do not recommend them. They denied my pet's claim stating he was diagnosed with osteoarthritis referring to a date which clearly didn’t state anything near that and then came back with another date. Their appeal reply went to junk mail, and when I followed up they refused a second appeal even with the vet stating the dog had never been diagnosed or had osteoarthritis. They refused to work with us basically meaning nothing will be covered for him. What a waste.

I purchased the policy with Figo for my healthy 3-months-old puppy; Included wellness benefits (preventative) in the coverage.

I had this policy for 3 years without filing a single claim, and then my rate doubled with no explanation. When I called to cancel and get a refund, the staff refused and I had to file a dispute with my bank. Zero stars if I could. Figo insurance is a scam. Don’t even bother with it. Use whatever your vet recommends.

My name is Vianca **. I'm a Costco member and I like Costco but this pet insurance is horrible. I have a very healthy Beagle and I decided to get this insurance in case of any emergency and yes he was not feeling well, this is from more than a month ago, and I took him to the vet where they performanced some test. When I submitted the claim they kept denying asking for some stupid documents that me and my vet kept sending. After trying and trying and calling and calling they denied any refunds and there is not a detailed explanation of why.

Feeling really let down by @FigoPet insurance. We chose them, especially as a Costco member, for peace of mind. But now, after my puppy Shadow's accident (ran into a wall on 7/18), they're denying coverage by labeling it an orthopedic injury (6-month wait) instead of a simple accident (1-day wait). I am appealing this misclassification, expecting it to be re-opened as an accident. #PetInsuranceFail #FigoPet #PuppyCare #BadService #CostcoMember

Do not sign up with this company. They're completely fraudulent. Even after denying claims that are covered by their own policy guidelines we are resorting to starting a class action lawsuit against them.

After our claim was rejected for an ear and skin infection that they deemed “pre-existing conditions” I cancelled my policy. This is ridiculous to label that diagnosis as pre-existing when they are CURABLE and my dog hasn’t had any issues or vet visits for several years. Just another shady insurance company trying to avoid a payout.

I switched to this insurance because I usually trust Costco to do business with reliable third parties. I am looking for another insurer now because of the games they play handling claims. The policy language is unclear about how they do not pay for any exams, ever, not just wellness exams. $690.00 claim and they paid 0$. And they don't send an email with an explanation, you have to sign in, and then look for the explanation of benefits [no benefits] that is not that apparent. I will be complaining to Costco also about them doing business with this provider.

High Premiums & Crazy Hike at Renewal. Figo increased my premiums by 40% and 31%. Now over $310/mo for two healthy dogs. I've been using Figo for several years. I just renewed my policies for a new zip code in March 2025 for a 5yr 2mo old dog and a 7yr 3mo dog. The monthly premiums increased less than $10 per policy due to a new zipcode to $118/mo and $114/mo for each dog respectively ($232/mo total). That’s fine. However, upon autorenewal in May 2025 (only 2 months later) Figo is now increasing the premiums to $165 and $149 per month citing age, breed, and zip code. There was no change in zipcode since the March renewal, no change in breed (obviously), so the only cited reason by Figo that did actually change is age... By two months! How on earth do they justify a 40% and 31% increase in cost for a 2 month increase in age!?

I thought that this insurance will be good since it is connected with Costco. Buyers should read the fine prints of this insurance as it misleads customers that it covers a lot of things. It says on its website that it covers surgery. My dog had a revision surgery from spaying complication and I did not get reimbursed with anything, saying that spaying is elective and it does not cover it. She also had deciduous teeth removed, which were not covered as well. I wonder why it was not covered at all, given that deciduous teeth can cause problems to dogs. You don’t get reimbursed for preventative meds for fleas, ticks etc. A LOT of common procedures are not covered in this insurance. I found out that there are many other insurances out there that will cover these type procedures for my dog. I think it was a waste of money paying for this insurance. I don’t really think I’m getting my money’s worth. This company needs to be reviewed.

DO NOT GET THIS INSURANCE. They are liars and frauds. They spend WEEKS finding any way possible to deny even the smallest claim. I purchased the accident/injury/illness + upgraded to cover spay/rabies/microchip and flea meds. My puppy is now 7 months old, and the last straw was when they made excuses for over a month about not paying the spay/microchip. When I called 3 times to try to get this corrected, the first woman lied and said they would pay it in 7 days, 2 weeks later some guy said he'd have someone return my call to address my concerns. Never happened.

Figo Pet Insurance misleads customers into believing they have reliable coverage, only to unjustly deny claims, leaving policyholders with unexpected and unaffordable vet bills. My Experience. I purchased a Figo policy through Costco, trusting their reputation. When my dog, Tony, suffered an isolated gastrointestinal issue, Figo denied my claim, falsely stating it was pre-existing, despite clear medical evidence from my veterinarian, Dr. ** (Oak Grove Veterinary Hospital), who explicitly confirmed: "P’s recent visit for GI issues of bloody stools and vomiting is an isolated incident and has not been a cause of any of P’s previous exams for digestive issues. P has presented previously with negative fecal tests and unremarkable radiographs, except for gas in the stomach. This recent case is not related to any previous GI issues and is not chronic."

I thought I would be getting a fair and acceptable insurance for my dogs! They didn't cover the routine yearly exam and shots! If you are thinking about getting this insurance, please rethink your decision and find another provider. I would give negative stars if I could! Bad bad bad business and for me, a huge SCAM!

If I could give them negative stars, I would. This is the worst company. They are THIEVES. They have no intentions of paying out any claims. They use pre-existing condition as an excuse for everything which means automatic denial. Don't be lured in by the slightly lower premiums that they initially dangle in your face. Each year they will raise it with no real explanation or notification. You're better off burning your money. We are going back to PetMeds which may cost a little more but is worth it. They are hassle-free, fair and easy to use. You get what you pay for.

Please anyone that cares about your pet do not do business with this company. They are incredibly unscrupulous and will do anything to avoid paying a claim. Dm me and I'll provide explanation of benefits as proof of how they do business. Feel free to email and I'll provide documentation to support all my claims.

Much like most pet insurance buyers, I had hoped to never need it. Alas, I did. My dog had a (non cancerous) mass on his toe. Between testing and medication, the bills began racking up. Finally the only solution was surgery. The first claim I made for the vet visits/testing/etc, took a few days and a couple emails with my vet for all the information they needed; and the allotted amount was applied to my deductible. The second claim was for his surgery, that took less than a week and the money (sans remaining deductible) was in my bank account on the 7th day from the claim being filed. Very little input was required from me and I could focus on my pet's recovery. I knew what to expect on what was and wasn’t covered and they were quick to get me my reimbursement. I love and recommend Figo for sure.

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.