Figo Pet Insurance Reviews 

Figo has always covered our Claims quickly. Very thankful to have both our Dogs insured with them. Excellent customer service too.

Figo has a lot of language to make you think you're getting coverage where you're not. Their plans are designed to confuse you so you're left with the bill at the end of the day. When attempting to understand my coverage policies, I was hung up on, and then when I called back, I was rerouted multiple times.

Very pleased with Figo. So glad I purchased this insurance when my dog was just a puppy. The coverage is excellent with various options, online claims process is user-friendly with prompt claims payments, and customer service is outstanding with helpful people to answer questions. I’ve had other insurance for my previous dogs, but Figo is by far the best!

Misleading and expensive. I had signed up for my kitten's pet insurance. I have the wellness basic plan and have spent about $1,200 during 2 visits. I've received $105 back in total as that is the MAX I can get for vaccines and other procedures. To make it worse, I have a $500 deductible. ZERO DOLLARS WENT TOWARDS MY DEDUCTIBLE. I will be cancelling

A waste of time, money and effort to signup and deal with this company.
The information you receive when signing up is misleading at best.
Regardless of how many riders you will add to the basic policy such as wellness plus, alternative, rehabilitation etc figo will find a way to reject your claim.

I appreciate the ease of submitting claims, the user-friendly app and also the quick reimbursement times.
So far it has worked exactly as the company said it would. Signing up with Figo through Costco is also a savings.

I have a dog and absolutely love Figo Pet Insurance! From the start, the experience has been smooth, transparent, and stress-free. The sign-up process was easy, and I really appreciated the customizable plans that allowed me to choose the coverage that fit my needs and budget.

Filing claims is incredibly simple through the app—just snap a photo of the vet bill and upload it. Reimbursements have been quick, and communication has always been clear and professional. It gives me peace of mind knowing I can focus on my dog’s health without worrying about unexpected costs.

Figo has truly exceeded my expectations, and I’ve recommended it to several fellow pet parents already. If you're on the fence about pet insurance, I highly recommend giving Figo a try!

I insured my pet through FIGO when it came time for a claim FIGO did everything they could to discount the claim including asking for the same records over and over again. If you want the false feeling of doing the right thing throw your money away with FIGO! Remember this is an insurance company looking out for profits not you or your pets best interests.

Figo is very very and honest and extremely helpful during difficult times. I especially like the access 24 hours a day seven days a week to a vet through the app.

When I am applying for Figo i was expecting my dog can have regular care. Now I am paying for 46€ per month to have a 75€ maximum preventive care per year such as vaccinations. The application is misleading and now even though I choose the monthly payment option they say i need to wait 1 year to cancel my contract. Now i stuck with them, definitely not suggest.
The text below is from their application form..

"Unlimited consultations
Standard preventive care such as vaccinations
Treatments and medications for digestive problems
Treatments and medications for ear, skin and eye infections
Treatments for joint complaints"

My dog hurt her back and Figo was right there. We learned what they needed to process a claim. The detailed vet notes and invoice started our year long path through using Figo to help pay for her journey. Drugs, cold last therapy, canine physical therapy, I highly recommend Figo for your pet.

Figo drops the Ball on the amount of time they take to get your Claim done. I submitted a Claim on 8/20/25 & here it is 8/27/25 & my claim is still in Review. I am seriously thinking about dumping Figo & finding another Pet Insurance Company! Figo has not met my expectations whatsoever! Figo needs to do a lot better at processing claims in a timely fashion! I so far am not happy with the Figo turn-around time!!!

Take your money and run because that’s what this company will do to you.

Every emergency claim I put in is denied. They make up excuses saying my deductible ($150) is higher. The bill comes out to over $200 I think I’ve met the deductible and should be covered at this time…. NOPE! I’ve paid more money out of my pocket with this insurance than ever. They will never help your pets or your wallet. Typical insurance company.

The claims process is easy and my claims were paid promptly. My only beef is that the premiums have increased a lot from year to year.

This was my first experience with a pet insurance, I was told that it will be difficult to file a claim, but Figo made everything easy and fast.

I am not a fan. I had Lemonade insurance before moving to a state that didn’t accept Lemonade and had to switch to FIGO. I never had any issues with Lemonade and only encountered issues with FIGO. They will not reimburse you for ANYTHING! They will find any small detail to make sure they don’t have to pay you anything or contribute to your deductible. My cat was diagnosed with asthma after already having insurance and since they was 1 exam note from two years ago that he had a cough it was considered a pre-existing condition. I even paid extra for the vet fees wellness package and they didn’t cover my vet exam fee. FIGO sucks, don’t pick them.

This insurance is a joke. I have illness/emergency insurance and nothing seems to be covered. I wouldn't recommend this company. You'd be better off saving the monthly bill amount into a pet account. You're paying these people to just deny claims.

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

a) Figo only covered a very limited amount for the vaccinations and wellness exam that I specifically chose to pay the premium for ($165 out of $548.84).

b) When I took Charlie to be examined for a few skin issues that I thought could've been problematic (after the waiting period was over!!!), Figo found a way to not cover it because I told the doctor that they appeared 4-5 days ago, and 5 days was apparently prior to the end of the waiting period. The fact that I said 4-5 AND that I waited to take him to the vet AFTER the waiting period was over didn't matter, I guess.

c) But the last drop was the denial of half of the charges for the diarrhea appointment. To deny the coverage for the test for parasites while the puppy is having such severe diarrhea is absurd!
And the medication the vet prescribed was not "medicated" enough, it was too "natural" for Figo, so they didn’t cover it as well.

I refuse to give my business to the insurance company that has no care for animals and only cares for their bottom line.