Figo Pet Insurance Reviews 2,235

Very convenient app platform to submit claims with quick turn around. Theres been a handful of times I have contacted their customer service and have gotten quick replies back. My dog got very sick ea... See more

I’ve had my poodle for 7 years now and I used to be a Trupanion customer. After switching to Figo I can say that the service and claims process is much much better than its competitors. Becau... See more

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 explai... See more

I've used Figo pet insurance since we got both of our fur babies as puppies in the Spring of 2018. They provide great coverage options, quick service, and quick turnaround times for claim payments.... See more

Claim turnaround time is longer than usual lately. Filed claim with RX number on receipt and sent photo of label. Figo is requesting more paperwork! This is ridiculous. Hire English speaking reps who... See more

They paid 5% of an emergency claim where the policy says 70%. We wasted our money on this policy and were deceived by what they said they would cover. Despite trying to appeal, we were told the claim... See more

Paid heavy premiums for both of my dogs. Every claim I had went wrong. I had to take time from my day to clarify call veterinarian to get documentation that I felt like it was there job. They denied a... See more

We asked very specific questions when deciding whether to sign up or not (will this cover exam fees? Dental?). After two separate claims were denied, I'm done. They found 7 different categories to mak... See more

Very disappointed with Figo. I purchased insurance for my pets expecting reliable support, but instead I’ve faced constant refusals and shifting explanations. 1. First denial: I was told that “... See more

FPI30000114468 My claim was closed without a clear explanation. When I reopened it, FIGO said it cannot be appealed or processed because it is “just closed, not denied.” They then asked my ve... See more

Their claim processing is fine but their customer service is terrible. Twice I have reached out to them inquiring about very specific coverages on my policy and all we received were boiler plate answe... See more

Terrible pet insurance. Didn't cover anything. I asked my rep on the phone if an X ray and blood test was covered before getting the procedures for my cat because it was $1000+ and she assured me they... See more

Intentionally vague and misleading when you sign up, so they can have a loophole for everything to get out of paying. I had a 80% reimbursement policy for accident and illbess as well as 2 add ons f... See more

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.... See more

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 ha... See more

Figo has taken the stress portion away from all of our illness trips to the vet with our Sable. She’s had multiple issues with allergies, hurt paws, and infections so having the piece of mind that tho... See more

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... See more

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. The... See more

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 pol... See more

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... See more

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 Fig... See more

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 feelin... See more

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... See more

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... See more

The company considers everything a pre-existing condition, even if you take your pet to the veterinarian and the vet "suspects" it might be a certain condition. They deny every office visit even if yo... See more

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... See more

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.... See more

Conditions like bacterial infection of cats can happen over time. Figo straight up denied claims for simple things as pre-existing conditions. Not worth keeping the insurance. The good thing was th... See more

I was with another pet insurance company for about two years. I'm so glad I made the switch to Figo. Within 3 months of switching to Figo, my poor dog was diagnosed with a health issue which came out... See more

Figo has been exceptional as my pet insurance. I’ve had Figo since I’ve had my dog and very happy that I did for peace of mind. We unfortunately had a several emergency room visits and the claims pr... See more

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 payme... See more

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 jou... See more

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 custom... See more

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. Becau... See more

I never had pet insurance before and never thought it would be necessary! As my dog was healthy and started aging a bit, I checked some different pet insurances and Figo review was outstanding compare... See more

We did not expect to have to use the insurance as we did. Our puppy ate rocks and needed emergency surgery. The bill was close to 10K. Thankfully we had Figo insurance and the process was easy. We sub... See more

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... See more

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... See more

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 Cos... See more

Our dog, four years old, has always been healthy. In December, he contracted a strange cough. Took him to our vet twice. He was diagnosed with allergies (it was most likely kennel cough). This inc... See more

Figo has been great with our adopted dog. It’s easy to file claims and they review them quickly and reimburse quickly. My dog had a major accident and I worried they wouldn’t cover her but they covere... See more