Figo Pet Insurance Reviews

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.