Figo Pet Insurance Reviews

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.

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!

The claims department at Figo make every excuse to deny your claims. They will drag your claim out over the course of several months, force you to appeal, and then deny it. I highly recommend going with Nationwide pet coverage over Figo. We had a much better experience with them with one of our now deceased pets. Nationwide paid out claims promptly and without the painful experience that we have experienced with Figo.

Figo has turned down every claim I've submitted due to "pre-existing conditions" despite my cat not having the pre-existing condition. They will scour the medical record for anything even remotely related to the claim in the past and declare it a "pre-existing condition". They lied and changed their story multiple times as to why the claim was denied. They will make your life miserable in the hopes you just give up on the claim. Garbage, scam of a company. Don't waste your money.

This is the fourth pet insurance I have dealt with. Figo is by far the best out there. You might pay a little higher premium, but when you file a claim, they pay lighting fast without any hassles. They are fair and always helpful. The Figo app makes things so easy. A big high five for Figo. Thank you to Figo!! Without you my sweet Lexie could not the care she needs. I am so grateful for/to Figo.

Figo Pet Insurance has so many exclusions you will be lucky to get any of your claims covered. I purchased pet insurance for accidents, injuries and unexpected illnesses. I submitted $4,500 in claims and received ZERO in reimbursement. Have tried to contact for clarification but have not been able to get anyone on the phone. I spent hours downloading and collecting all the information they requested. There are better companies out there. Do your research and don't waste your money.

We enrolled our two miniature long haired dachshunds with FIGO health coverage 2 months ago. We were very please with the ease associated with the enrollment process. The web site and app is fantastic. Unfortunately after several weeks, one of our dogs needed care and treatment for a sore back. We filed the claim with all the paperwork from the Vet. I would have expected a quicker decision. We'll wait and see. Claims processing is an important feature of the coverage and one of the reasons we switched from Trupanion to FIGO.

We love Figo! I Always feel at ease knowing that my fur babies are covered by Figo! Even if it’s just for follow up shots Figo always helps out with the bills. I recommend getting insurance for your pets to everyone. It’s so worth it!

I have not had to file any claims yet so I can’t speak on that. I had a bumpy start with Figo but we got it sorted out and all has been good. I do really like their app, it has so great information and it’s a great place to keep all of my dogs' medical records and to even find and connect with other dog owners in my area. Hopefully I won’t need to come any claims but I have peace of mind that my dogs is protected.

Great communication at all times. A little pricey but has been worth it so far. We have made our deductible 2 years in row….So we have gotten some money back. Did compare prices before we bought. New policy members get a discount at Costco…

This is an excellent company with exceptional customer service, great pricing, and superb technology (a pet cloud). I highly recommend Figo Pet Insurance for all your pet insurance needs. You won't be disappointed, especially if your furry friend comes down with cancer.

Figo went above and beyond during the tragic loss of our dog. Once a file was claimed for services that included end of life procedures, Figo proactively reached out to confirm that our policy for our dog had been ended. This was one less thing to do that helped us.

Decent emergency insurance and good customer service. Would be best for a dog or outside cat. I own a indoor cat named Boxcar and for him even though he’s a senior cat it’s not worth the cost. But definitely I can see how it would help with emergency vet payments for a serious injury or repeated cancer treatments.

The day you get a pet, should also be the day you get insurance for them. All three of my dogs are insured through FIGO. I opted for the ultimate on my dogs. It has covered chemo, hydrotherapy, Nephrectomy and so many other things. With the Figo app it’s hassle free. And everyone I have ever spoke with has been so nice and helpful. Do yourself and your pet a favor! Insure them!! And insure them with Figo.

I had a premium policy for more than a year, the last week my dog had an accident and I went to the vet, the bill was over 1k and I had to Z{ay for every test and service at the vet after I did submit the claim via Figo account, I was very surprised that this insurance denied any reimbursements, I mean they are stating that they do cover x-rays, blood test and etc BUT THEY DENIED ANY REIMBURSEMENTS EVEN FOR MY DOG MEDICATION! Such a rip off! Do not go with this insurance, be aware of such a scam company!

I’ve been so pleased with Figo! They have covered so much of my pet’s care after an orthopedic concern. Every time I call or chat with someone from Figo they are helpful and kind. Also, I really appreciate how clear their explanation of benefits is.

Our dog Penny has been insured by FIGO since we rescued her 4 years ago. I couldn't be happier with the way FIGO has treated us. We've ended up with a lot of claims including TPLO surgery. They have been very fair with what they covered and very fast! I've sent many friends to them.

We have had FIGO since our dog Chuck was 3 months old. He is now 4 and the light of our lives!!! Loving, affectionate and well behaved. Unfortunately he has also had an ACL procedure, tumor removed and now Lymphoma. We have incurred thousands and thousands of dollars in chemotherapy treatments and related procedures. I really don't know if we would have been able to do this without FIGO. Whenever I call or email they are responsive, accommodating and kind. It means a lot. Thank you.

Overall the experience has been pleasant and we've been happy with the results however when we initially signed up we felt the company was quick to determine a "pre-existing" condition. Otherwise the process has been relatively painless and has helped on an emergency situation in which it would have been a significant impact.

Sadly I have to cancel bonny insurance with Figo. So sorry that I had to do for hardship. The Figo team was always there for us, never hours of delays that I had experience with the other one I have for my older pet. They were always either calling me or emailing me. Love the tag and the little bowl for water. Many many stars *********** for Figo. I wish they consider placing specialist consultations under general cover. My email is **.

Insurance always seems to be a wildcard but we have been extremely pleased with the process, responsiveness, and reliability of the claim process. Just as advertised, no sifting through the fine print and very responsive. Wish all insurance was this user friendly.

We researched different companies for dog health insurance. I found FIGO suited our needs the best. Between reading reviews to reading the FIGO information and asking our Vet and other dog owners, FIGO stood out as one of the best. Our puppy had multiple issues in her first year so it was important to feel supported with the insurance. Claims were easy with the App and the payments from FIGO came directly into my checking account. We did go with a good policy that covers most any illness and the emergency or office visit for illness. I am impressed so far. I expect at some point the policy will go up in expense but I have heard that you can sometimes get it lowered if you feel it is too much. I recommend FIGO often to new dog owners who are looking for insurance through our connection to the reunion rescue site where we adopted our puppy.

You make it easy-you contact the vet and the vet needs to be contacted. You keep me out of the loop in terms of having to do more work. You keep me in the loop about the status of the claim. And your timing turnaround is less than two weeks. Thank you so so so so much

I filed my first claim because my pup had to go to the emergency vet. He was experiencing some stomach issues. I filed my claim at 2 AM as I was waiting for him to come out. Within 24 hours the claim was processed within 48 hours or so, I had my refunded amount in my bank account. This first claim was a breeze because I already sent in all of his medical records. I would absolutely recommend Figo.

I was so grateful we had Figo after we had to take my dog in for surgery. It would have been extremely difficult to cover the costs of her procedure without insurance. My claims were paid within a few days and reimbursement was deposited back into my account quickly. Thanks to the team at Figo for being a silver lining during a really stressful time!

My overall experience with their customer service was poor. I attempted to access the live vet feature late at night, only to find that my account was listed as inactive although I had just renewed it. The company stated an apology and otherwise did little to recognize the cost, both financial and mental, that I incurred due to being unable to access this feature. My insurance premium for one of my dogs also rose $264 over the course of two years--an exponential increase that I felt I would not be able to keep up with financially. I decided that I would do better saving my money for a medical emergency rather than paying the high premiums charged by Figo.

When we decided to get pet insurance for our new puppy, Hobo, we never dreamed we would need to use it so soon. Shortly after we chose Figo, Hobo was diagnosed with a liver shunt & needed surgery. If it hadn’t been for Figo we would have been in terrible debt to be able to afford the surgery. We may have even had to postpone it to secure the funds. Needless to say, Figo to the rescue! Thousands of dollars later, Hobo was recovering & our bill was minimal. Figo was definitely a lifesaver for our little Hobo!

When I was looking for pet insurance for my rescue dog, I did a massive amount of research. I compared premiums, deductibles, coverage, and age limitations. I read many *many* reviews, and changed my mind multiple times. In the end, I landed on Figo and I'm extremely glad I did. Figo's premium rates are quite reasonable, and their deductible structure is highly customizable and generous. My dog's current plan covers *90%* of non-wellness expenses after a $500 deductible. I did not find any other pet insurance plan that offered anything close. They have even covered behavioral expenses, including visits to a certified behaviorist and medication.

I really appreciate the quick turnaround of my reimbursement check after having to pay some hefty vet/doctors' bills for my boxer. The site is super easy to use and easy to understand. Uploading receipts was easy as well.

When an insurance company chooses to switch underwriters during a pandemic with the knowledge that some customers will be unable to switch insurance is a move by a company that doesn't really care about the animals they insure. My cat Brownee right before the start of the pandemic was diagnosed with cancer and during the pandemic hypertension. The higher premiums are painful on my pocket and I raised my deductible to $1500 to avoid the high monthly premium payments; They also engage in shady behavior now -- they deducted double the renewal amount and then would not refund the full amount.

Figo has been wonderful for me and my dog Duncan. We've had their insurance since he was a puppy and I'm so grateful for that because Duncan has some health issues. He was diagnosed with an auto-immune disease around a year and a half and we've had to submit a lot of claims for it. Regardless of his condition I would still have this insurance, especially for big dogs. It's super easy to submit claims and we've rarely had issues with them. The one time we did it was early on and I was able to get on the phone with a person to resolve it. A+ experience.