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.