Figo Pet Insurance Reviews 

The reason I want to cancel my pets insurance because I don’t think Figo is suitable and helpful for our pets at all. Compare to my monthly payment your reimbursement for our vet bill is ridiculously low. I have been paying $ 123.87 per month my pets insurance which is 90% reimbursement plan for many years. For Lucy $ 47.49/ month x 1 year = 569.88 For Sima $ 76.38/ month x 1 year = 916.56 It is $1486.44 per year. What has Figo been reimbursed me back for annual check up, vaccine, medications and also illness? For annual check up and vaccination, $ 40 for each pet while the bill was around $ 200 for each. Recently Lucy had an emergency vet visit for urinary infection, the bill was $410. I filed a claim. Figo agent asked for records to check if it was preexisting condition. Figo gave me back $ 67.38. Figo reimbursement is a joke, matter of fact it’s more like a scam to me. This is a waste of time and money. I could have saved the monthly payment and paid for my pets bills without frustrating. I have learned my lesson.

I have been with Figo for 7 years now and it's been nothing but amazing! Super fast claim process and great customer service!

I just signed up today. There was a monthly fee quoted, which I am fine with. However, when I submitted my first payment, there was an additional $15 "enrollment fee" added. I didn't see anything on the website that indicated that there was going to be an additional fee charged. If this fee had been clearly listed, I wouldn't have had an issue. But tacking on an additional fee is dishonest. FIGO refused to credit this fee back to me. I'm considering canceling my enrollment, since I no longer have confidence in FIGO's honesty.

They charge almost $40 a month and don’t cover a dime for any vet visit even though it should be covered. They are such a scam do not get them!

Excellent insurance company.
I highly recommend them.

First of all, DO NOT BUY PET INSURANCE. Pure waste of money. Open a savings account and put the premium in it to save up for the "bad times". Used 2 ins companies, first one quietly increased our premium due to "age" with very little communication, burying the notification in a routine annual renewal email. Second company, Figo, paid for little bills (applied to deductible, so almost nothing paid out) as our dog's health declined, then denied an x-ray related claim due to pre-existing condition, heart murmur. X-ray was NOT done to check on her heart, but to determine a NEW coughing issue. Because vet prescribed heart murmur meds, it was deemed pre-existing and denied. Appealed denial, they claim they did not get the email (it was sent, no error message received). Dog's health continued to decline, we sadly had her euthanized. Euthanasia claim denied due to pre-existing condition causing health decline, stating she had heart, tumor and cough issues in 2024. NONE of those were related to any of her 2025 issues. We'll appeal that as well, but I see how the process works now and have very little hope of any reversals.
Please, save yourself the hassle and headache and open a savings account, and avoid the pet ins scam.

Been a customer for years. Could not be more pleased with every aspect of this company and the service they provide. Without question, my 9 year old dog would not be alive these past four years without Figo because I could not have afforded her treatment alone. Very simple to use, very quick to respond. I would give 10 stars if I could!

Very fast responses to our claims.

Figo is the best support you can receive when you are in a bad situation with your pet.

FIGO offers a very straightforward process for filing claims. We had only two situations which required we file an appeal. They were both readily resolved in our favor with letters from our vet explaining the need for the medication. Have been very satisfied with FIGO

Figo pet insurance has so many benefits and I feel their pricing is fair for what you get. They always respond immediately and whenever I have submitted claims. They are quick to process my claims and the money is in my bank account literally in a few days. I love that they offer online vet support should I have any questions. I am so happy I purchased this insurance and I highly recommend Figo to anyone who has a pet!

I have been with Figo Pet Insurance 5 months. The dog was taken to an emergency vet center on a Sunday when vomiting started after 2 days of liquid diarrhea and refusal to eat. He was admitted to their ICU and was severely dehydrated. The staff was able to stabilize his condition but was not able to determine the cause of his problem. The bill was $7838.58.

The claim was submitted after supplying a very long list of accompanying documents including a copy of the complete file and doctor’s notes from the emergency center as well as the records and past history from his normal vet. Ten days later they rejected the claim as "pre-existing conditions". The ICU vet indicated in documents that they could not determine the cause with any degree of certainty or assurance.

The dog was put to sleep a week after leaving the ICU. It took Figo 10 days to come up with pre-existing conditions. My advice is to look harder and elsewhere if you are searching for a trust worthy pet insurer. Take a moment to read the insincere and duplicate Figo responses to the 1 star reviews if you need help deciding.

My claim for the treatment of a bladder infection of our cat was not reimbursed by Figo, referring to a comment in his file that, according to me and our vet, has no causal link with bladder infection whatsoever. Our cat developed a bladder infection 5 weeks after taking out the insurance, so in essence Figo's suggestion is that I would purposefully have registered our cat while he already had a bladder infection, and then let him walk around with it for 1½ months, just to be able to declare the invoice? What an annoying and also disrespectful insinuation.....

It now appears that our cat is not insured for a whole series of conditions as a result. If I had known this in advance, I would never have insured my cat with Figo. I therefore believe that Figo's registration procedure is seriously inadequate and places a disproportionate amount of responsibility on the policyholder. I registered a 100% healthy animal in good faith, and Figo is looking for a reason in the file to avoid a claim. It would be fairer for Figo to give a person who applies the claim the option to have the file reviewed, so that any exclusions are clear in advance. Because of this omission, I am now paying a year's premium for a cat that is barely insured.

Even after filing a formal complaint, Figo does not say a word about the inadequate registration procedure and does not move an inch towards a lenient treatment. Very disappointing! My advice is therefore to have Figo assess the file of an older animal with a file at the vet first, to avoid any nasty surprises later on.

I’ve had figo for approximately 9’years now. They have allowed for me to provide outstanding care in supporting my dog through his battles with irritable bowel disease, behavior issues and more. Because of figo, we’ve been able to work with a team of vet experts (nutrition, internal medicine, vet behaviorist) to provide him a quality of life that would not have otherwise been possible. While I wish I didn’t need to see the vet as much as we do, I am eternally grateful to figo for being there to support us every step of the way.

Claim process was easy, FIGO reviewed the claims promptly and payment was also very prompt.

TOTAL SCAM! Horrible service- look elsewhere. They rarely pay out on claims, if they do its a very small amount and oftentimes find reasons to not count payments towards your deductible. My dog has IVDD and this insurance policy (Secured when he was a puppy long before any problems) has been next to useless. I have wasted thousands paying on this policy monthly that they have DOUBLED since he started having medical issues.

Also, I work in the field of online reputation and it's so blatantly obvious which reviews on this site are "fed" i.e, they specifically invite the few who have good experiences via email to write a review. Don't trust those, and notice how they only reply to /address positive reviews.

Figo has been an absolute life saver. My dog is my life. And I vowed that I would never be put in a situation that I couldn't save my dogs life due to money. Figo made that possible. Figo has made giving my dog the most excellent care possible. They are fast, efficient and most of all. Care. I have been with them going on 4 years. They gave me the ability to give my dog life saving care and not go into financial ruin. I can walk through life knowing Figo will save me/ my dog, need be. I refer them to everyone and always will. Stella and I couldn't be more thankful for Figo. I cannot say enough good things about this company. From coverage, to reimbursement, to freedom of choosing specialists ect. 10000/10.

This company discourages claims. Does not pay claims. They want six months of records from your veterinarian even when your pet is not yet six months old! How do you manage that? My veterinarians are busy enough without Figo bothering them, for goodness sake!

I’ve been paying for insurance for my animals for 17 years.
I’m so grateful that your company is really helping me out through this hard time.
With my dog Maverick and his condition it gives me hope that he will live a few more years.
The doctor gives him three months with his cancer.
Having your company gives me hope that he will live a lot longer.
Thank you

Terrible service by adjuster’s that don’t know what tgey are doing. My dogs get allergy shots every month one goes through and the other one by another adjusters needs more information (dumb) a shot.
Get better help and managers never call back.