Figo Pet Insurance Reviews 

Very easy to work with and submit a claim.

Figo representatives are professional and handled our vet statements expediently. Website is easy to use and they respond immediately. So glad to opted to choose them as our insurance carrier for our Melody.

Zero stars if possible!!
Do NOT get this insurance!!

They give you a hard time to process your claim! They do not coordinate with each other’s department, sent the documents required (which
Was also sent via the pet cloud app) numerous emails both from me and the vet clinic and still want it to be resend, only to paid a very minute of what i have claimed! They will deny whatever they can deny! It’s better just saving a portion on your own money rather than paying their premiums! They will make you beg for your claim! What a joke!
Oh the prescription from costco, none of that they will pay! Don’t be fooled!

Without Figo, my cat wouldn’t be alive. She was diagnosed with a fairly rare chronic illness. It requires a lot of maintenance that adds up fast. I wouldn’t have been able to afford it, but thanks to Figo, and I truly can’t express my gratitude enough, she gets the treatment she needs for the quality of life she deserves. There were a couple of times things were erroneously denied, but Figo did a great job of taking information from the vet, and correcting those denials. I feel that says a lot about the company too. They fixed what needed to be fixed. Again, they have my eternal gratitude.

Cost effective pet insurance. Very responsive claims processing.

Quick payout, great customer service

I love the exclusive line Costco members have whenever I call and have questions about the policy. They answer quickly and the customer service is always friendly and very informative. I’ve had a few claims and have had no issues. They’ve paid me within a day or two. As long as there’s no pre existing conditions there should be no issues. It’s affordable and I like that I can customize my policy. I’m very happy overall and glad I found them through my membership with Costco.

It took 5 days and a supervisor request to read an email.

I had this policy for 3 years without filing a single claim, and then all of a sudden my premium doubled. When I contacted the company to cancel the policy, they refused to issue a full refund.

Go with the pet insurance that your vet recommends. Figo is just a scam.

My dog had cancer- 2 years following multiple sedated x-rays, lots of tests and 3 surgeries+ the round of radiation and she is fine. lots of worrying,lots of no sleep but the one thing I never had to think about was insurance! They have been great. I am grateful that not too long ago I decided to insure the dogs and this one was older, so of course more expensive. Yes there are deductibles and 90% coverage but this is exactly what I wanted- Catastrophic coverage. Boy was this catastrophic. At first , every time I filed a claim I was nervous. I shouldn't have been. My dog is good now and it is mostly due due to insurance from FIGO.

Ease of contacting an agent to help with filing the claim

Filing a claim is very easy! Which is great because it means I’ve wasted little time getting my claim denied. At this point I just file to see if I can get even $0.05 out of them. I don’t, but I’m locked in for another year. Seriously, don’t bother with the company. All the add-ons and things sound nice but they will delay, deny, defend. Your pet being alive is a pre-existing condition. If you are stuck in a contract, use that time to build up funds in an HSA or high yield savings account. At least that way you know you have a real backup plan.

Good luck getting them to pay a claim! I've spent a lot of time on the phone with them, just to have them deny an $1100 claim the should be covered. They claim it was pre-existing. They started contacting vets that we haven't been to in 5 years to come up with a way to deny the claim. They even completely overlooked the enlarged heart and heart murmur. My best advise is to avoid the hassle and steer clear on them.

"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 (30 day wait) instead of a simple accident (1-day wait). I am appealing this misclassification, expecting it to be re-opened as an accident.

Update: 8.18.25 - My appeal was denied. Figo wont pay anything towards my $720 claim. Apparently anything other than a broken bone doesn't qualify as an orthopedic accident and is subject to the 30 day waiting period.

From their reply to my appeal: "Orthopedic conditions, with the exception of broken bones only, are considered Orthopedic Illnesses under this policy."

So, if your pup runs into a wall or falls, trips or has some other form of accident and is screaming and limping and you decide to take him/her to an emergency vet... Unless it is a broken bone Figo won't pay for the vet visit, diagnostic x-rays or pain medication.

I will be dropping my Figo policy immediately. I suggest that you stay away from this poor quality & misleading insurance coverage.

Insurance SUCKS And Is Only a Win For The Company! The Ultimate Plan Is Garbage! I Don’t Know If Any Of The Plans Cover Vet Visits. I Am Very Close To Dropping This Plan 5 Months Early. Just Submitted a Vet Visit Claim But Pretty Sure, Nothing Will Be Covered If Any. And My Monthly Payment Is $124. Time To Do Serious Homework For a Better Plan. I Just Paid $242.51 And If Nothing Gets Covered, I Will Drop Them. The Best Plans Are Those That Cover Vet Visits. BANFIELD Is a Good Supplement With This Plan But This Plan Is Expensive. However, They Will Cover Illness/Injury Up To $1,000,000 But After You Pay Out An Initial $500. If Your Pet Is Seeing a Vet Weekly Or Even Monthly, You Need Insurance That Covers The Vet Visits. Do Your Homework. I Might Keep This But Will Have To Add The BANFIELD Plan To It Till This Expires. They Do Have Added Vet Coverage For An Additional $30 Or So But You Have To Wait For Enrollment. I’m Just Mad That When I Purchased It, They Did Not Tell Me My Vet Visits Were Not Covered. My Main Concern Regarding This Plan Is Their Awful Lack Of Paying Claims! Obviously, They Don’t Care About The Pets Or The Customer. They Only Care About The Money. That’s Fine, Cause Like I Said, I’m Done If My Claim Is Not Covered In Some Way. I Just Wish I Had Searched Reviews On Trust Pilot. Their Reviews Are God Awful! When You See That, A Picture SPEAKS A THOUSAND WORDS! AVOID AT ALL COST! You Are Better Off Just Opening A High Yield Savings Account For Your Pets Vet Bills Rather Than These Crooks!

THEY ONLY PAID $5 for a submitted claim for $1467. FIGO agreed $1293 was eligible. Policy for $10,000 max annually, $900 deductible, then 70% coverage. $1293 - $900 deductible = $393. $393 remaining times 70% = $275 to be paid by FIGO. Insured pays $900 deductible and remaining balance $118. ONLY WAS PAID $5. WHAT A SCAM

Last year only took a couple days to get approved and paid. This year was about a week and a half but once it got approved got paid right away. Other than that great service.

Figo is quick to review claims and provide reimbursements. The claim process is easy, especially with the app. My only complaint is that because we use our insurance for frequent issues, our premium has jumped significantly from year to year. I wish there was more transparency around this formula.

I’ve been with Figo for nine years, they are the best. Very quick turnaround of claims. It only takes a couple of days or sometimes even same day.i have no complaints at all. I’m highly satisfied with Figo.

Hi, this is Ricky, Theo's human, and I'm absolutely thrilled to share a 5-star review for FIGO Pet Insurance, especially regarding their incredibly smooth claim processing!
Theo, my wonderful Aussie Doodle, is a bundle of joyful energy. He's got that perfect mix of goofy charm and boundless enthusiasm, always ready for an adventure. And sometimes, those adventures lead to little bumps and scrapes. We've certainly had our share of unexpected vet visits!
That's precisely where FIGO has been an absolute lifesaver. What truly sets them apart is their claim processing. It’s not just easy; it’s genuinely stress-free.
Not long ago, Theo had an incident that required an urgent trip to the vet. My immediate concern, of course, was Theo's comfort, but a close second was the thought of the impending bill.
Submitting the claim through the FIGO app was incredibly straightforward. I just snapped a quick photo of the invoice and tapped a few buttons. I fully expected to wait days, maybe even longer, but to my delight, within just a couple of days, I received an email confirming the claim was being reviewed. And then, BAM! The reimbursement was in my bank account. There were no confusing forms, no endless phone calls, and no chasing down paperwork. It was fast, efficient, and wonderfully transparent.
The communication throughout the entire process was excellent. I got regular updates, so I always knew exactly what was happening. And when I had a quick question about a previous claim (just a minor clarification for my records), their customer service was incredibly helpful and friendly.
As Theo's human, he's not just a pet; he's a beloved member of our family. Knowing that if an unexpected accident or illness occurs, FIGO has our back – and that their claim processing is so seamless – gives me tremendous peace of mind. It allows me to focus on what matters most: getting my energetic Aussie Doodle back to his happy, healthy, tail-wagging self, without the added stress of financial worries.
If you're a pet parent looking for insurance that truly delivers when it counts, especially when it comes to quick and easy reimbursements, I honestly can't recommend FIGO enough. They've earned every single one of these five stars!