Figo Pet Insurance Reviews

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.

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…