Figo Pet Insurance

Purchased Figo as a costco member

Purchased Figo as a costco member. Purchased a good care policy. Recently went to vet for emergency issue with covered pet. Figo took over 3 weeks to review claim, which they denied any coverage for a variety of reasons. If you want any additional exam or other coverage, even in an emergency, you have to pay extra. Don't do it. Go to Pumpkin insurance where they have more transparent pricing and coverage details and will reimburse you for costs in 15 minutes.

Many expenses were rejected as 'exams'…

Many expenses were rejected as 'exams' not covered by the policy but my dog suffered a leg injury, and the veterinary visit was strictly for emergency accident care. Naturally, when a dog injures its leg, a veterinarian must physically examine the limb to diagnose the damage, check for fractures, and determine a treatment plan.This examination was a direct and necessary response to an acute injury, not a routine wellness checkup.

Fast and easy

Figo is a great insurance

Figo is a great insurance. It's so user friendly in filing claims, explanation of charges & credits is clear & precise. Getting refunded is quick & effortless! You can pick your type of coverage needed. We have definitely saved a lot on vet bills. We got Figo insurance through Costco which added to the savings.

Warning to Costco Members: Figo Pet Insurance, A Complete Scam

Warning to Costco Members: Figo Pet Insurance, A Complete Scam I have trusted Costco and its partner services for over 25 years, but my experience with Figo Pet Insurance has been appalling. My cat passed away from cardiac arrest on July 5th. I submitted a claim and reported his passing through their "Pet Cloud" app on July 6th. What followed was constant delay and hassle: first, a query on July 7th over an initial vs. full name mismatch on the vet bill ("M." vs "Mr."), and then a request for medical records on July 9th. On July 28th, they finally ruled that the entire claim applied toward my deductible. To make matters worse, I discovered they charged my credit card on July 24th for a monthly premium—billing me for a deceased pet almost three weeks after I reported his passing. When I called to fix this, instead of retroactively refunding my premium from the date of his death (July 5th), they actually charged me for four additional days through July 28th! I only chose Figo because of Costco's endorsement. I truly hope Costco reviews these partner practices and takes immediate action.

Trusted insurance

I'm glad I purchased this pet insurance from FIGO and claims and refunds are fair, according to one's policy. I even referred a neighbor. Customer service is good too!

They make it extremely easy to submit a…

They make it extremely easy to submit a claim. The staff very professional and eager to help you. The claim paid promptly. Glad I chose Fido Insurance.

Not Transparent - Wellness Items Had Check Marks to Show Covered But They Barely Cover

Just signed up with Figo, through Costo. Very disappointed after just one visit. We signed up for the wellness add-on which had large check marks next to things like vaccines, microchip, deworming. We got our first claim back. They only cover $50 per year toward vaccines, $30 toward microchip, and $10 a year toward deworming. That should have been made much clearer. When a company puts large checkmarks next to what's covered on their plan, that makes it seem like it's covered. I'll be browsing for a better, hopefully, more honest company.

I have multiple dogs and I have had…

I have multiple dogs and I have had Figo for a few years for all my dogs. One of my dogs became very ill suddenly and was diagnosed having T-cell Lymphoma and had to be hospitalized. The docs recommended chemo. My bill for him is over $15K and I promptly submitted all the invoices along with the hospital records at Figo's request. First round of claim was submitted three weeks ago, still in review. The second round of claim, of course, still in review. No past cancer history. They must know people need reimbursement to continue pay for the critical treatment for their beloved family member. I have been told they now have "everything" for the last 10 days. It is very frustrating... I don't know if Costco is aware of people's complaints about Figo.

Figo Pet Insurance….the best decision you’ll ever make!

We are so happy that we have Figo Pet Insurance!!! You have so much more control of what coverages you want-more than any other pet insurance we have used. The claim submission process is super easy to use and claims are reviewed quickly and fully and Figo reaches out directly to our Vet if more information is needed without us having to do any additional work. The claims are processed quickly and refunds are sent immediately after the claim is closed. We highly recommend Figo Pet Insurance!!!!

Figo very strict and what they cover…

Figo very strict and what they cover and make it very difficult to file a claim for reimbursement. Made a big mistake switching from nationwide to Figo to save a few dollars. Be careful who you choose. I am searching for another pet insurance company as we speak.

I’ve been very impressed with how…

I’ve been very impressed with how quicker the claims process goes and the overall ease of submitting a claim.

Do NOT bother with FIgo

TLDR: not at all worth your money, get a high yield savings account instead. Update, as I'm not interested in the typical marketing tactic of "contact us 1:1 offline" -- I'd like to share some math and correct a few figures I admit I got wrong in my original review: I canceled my Figo policy after two and a half years and ran the numbers on what it actually cost me. From December 2023 to July 2026, I paid Figo $1,655.40. Figo reimbursed a total of $70 for one annual vet visit in 2025 and $40 toward a $400 diagnostic bill when my dog was being tested for cancer. That's $110 total, about a 6.6% return on what I paid over my policy. My rate also went up twice with no added coverage — from $41.32/month to $54.30, then to $61.62, a 49% increase in two years. My dog's actual annual checkups run $70–$100, so I ended up paying about the same each month as my annual vet visit. When a 'real' bill came (~$400 for a cancer screening + some other tests), Figo covered $40 of it. I had a second opinion appointment a few weeks later for another $340 and didn't even bother filing that claim, because at that point it was clear the payout wasn't coming with the policy I had been paying into. If I'd put that same money in a high-yield savings account instead, I'd have close to $2k accessible, for exactly the kind of emergency vet bill insurance is supposed to help with. Instead I paid over $1,500 for $110 back. Do the math on your own policy before you renew. For me, it wasn't even close. Original Review: My dog is dying of cancer at only 6 years old, and he's been perfectly healthy until now. When I finally needed Figo to actually help, they covered $40 of a $400 vet bill after I'd paid $65/month faithfully. I would've been financially and emotionally better off never signing up. Figo is just further proof insurance is a predatory scam. If you're a responsible pet owner trying to plan ahead, save your money and put it in a savings account instead. At least then it's actually there when your pet needs it. I'm closing my account and telling everyone I know to steer clear.

Absolutely pathetic

Absolutely pathetic. I cancelled Figo after having them for 1-2 years, religiously paying my premiums for my two dogs. I submitted a claim for one of my dogs who had a small pimple sized growth on her hind leg. A month ago it started bothering her and the vet treated it, doing a biopsy to make sure it wasn’t cancerous. Because this small pimple was there prior to coverage(but the problem arose during coverage), Figo denied the claim. They are disgraceful money grabbers.

I had a very disappointing experience…

I had a very disappointing experience with Figo Pet Insurance. I purchased this policy for peace of mind, expecting my cat's medical care to be covered when needed. However, when I submitted a claim for an ear infection that occurred after my policy became effective, Figo denied it, stating it was a pre-existing condition. My policy began on October 3, 2025, and there were no documented ear problems before that date. I appealed the decision and provided additional information supporting my case. I was told I would receive a response within about 30 days, but it has now been over 30 days, and I still have not received any update or decision on my appeal. It's frustrating to pay monthly premiums and additional fees for coverage, including the Vet Exam Fees add-on, only to have a claim denied under these circumstances. I expected a thorough, fair review and a clear explanation based on my cat's actual medical history. Based on my experience, I do not recommend Figo Pet Insurance. I paid for coverage expecting support when my cat needed medical care, but instead I received a denied claim and have been waiting more than 30 days for a response to my appeal. Because of this experience, I will be canceling my policy.

They are quick to get reports from the…

They are quick to get reports from the vet and issue payments. I gave four stars because there were issues with making payments to me. They would show that the claim would be paid but no payment was issued and they close the claim. I’d have to follow up and then payment was issued.

Not happy with the red tape to get paid…

Not happy with the red tape to get paid I am going back to lemonade and will be saving money plus annual coverage is double and deductible is half the cost

Disappointed in the communication from…

Disappointed in the communication from via Pet Cloud. I submitted a claim on June 12, 2026 which as of today, 6/28 it's still in review. Is this standard practice not to al lease communicate with me why it's taking so long? I continue to check the FIGO app...no resolution.

They take care of your dog

They take care of your dog! Very easy to talk to them ! No hassle! The best pet insurance you can have for your pets! FIGO PET INSURANCE its the way to go !

They fulfilled their commitments in a…

They fulfilled their commitments in a timely manner.