Figo Pet Insurance (figopetinsurance.com) has a 3.2 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 52% rate it 4 stars or higher while 37% give 1 star; The business has replied to 95% of negative reviews. Last updated 2026-08-10.
Submitting claims is easy through the app and decisions are made quickly with reimbursement being deposited to my account within a day or two.
Hi Geoffrey - we’re thrilled to hear about your great experience with us! Thank you for being part of the Figo fam 😊
Unfortunately, my experience with Figo Pet Insurance has been negative. The way they handled my case lacked transparency and left me feeling that they do not act in the best interest of their customers. I cannot recommend their services at this time
Hi Tarcisio, we are so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. If you haven’t already, please reach out to us via email ([email protected]) or at (844) 738-3446 so we can better assist you.
Buyer Be wear. I've had this insurance from them on my dog for a few years and they have denied all claims siting , lack of coverage and pre-existing conditions. They are a scam organization. you have been warned.
Hi Daithi, thank you for reaching out and we’re so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. Please reach out to us at (844) 738-3446 so we may address any questions or concerns about any specific claims in greater detail.
Clear process for submitting claims. Clear what is covered and what is not and why. No guessing.
Great to hear, Rob! Thank you so much for sharing your positive feedback with us.
Terrible. Don’t be fooled with Costco discount and low monthly pay. Their response times and pay out times take weeks. They ask for too many documents that other insurance don’t. Adjusters find loopholes not to pay you the 80% they promised during policy signing.
Hi Sasha, thank you for reaching out and we’re so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. Please reach out to us at (844) 738-3446 so we may address any questions or concerns about any specific claims in greater detail.
Figo Pet insurance rejected my claim and classified the vet office visit for a limping dog as ‘non veterinary services’ I have appealed. This will be my second appeal this year, I think they just reject every claim and hope you won’t appeal. My first appeal (2/26) was because my puppy wellness visit included talk about golden retriever allergies, then 6 months later, when he was 8 months old, and I brought him in with an ear infection, they claimed he had pre existing allergy condition. A dog that has never had an allergy problem, they also told me I would never get allergies covered for him ever again. Nice. I can wait to look for new insurance!
Hi Patty, thank you for reaching out and we’re so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. Please reach out to us at (844) 738-3446 so we may address any questions or concerns about any specific claims in greater detail.
I am not a fan of this company and now my dog has a pre-existing condition and wish I would have gone to the company my other dogs have. They do not cover nearly as much and they also take much longer to do claims.
Hi Jessi, thank you for reaching out and we’re so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. Please reach out to us at (844) 738-3446 so we may address any questions or concerns about any specific claims in greater detail.
TERRIBLE company. I decided to use this company because they partnered with Costco but Boy, is this company a scam. I enrolled on my pets 1st birthday the second year premium increased significantly, still decided to proceed continuing coverage to avoid another waiting period. Now I’m being told that my policy terminated because our policy was “rewritten” leaving a $20 balance after paying in FULL. Do NOT consider this company for adequate coverage for your pet.
Hi Arianna, thank you for reaching out and sharing your concerns. We’re committed to transparency, so if you have any questions about your specific policy, our licensed agents would be happy to review your account. Please feel free to email us at [email protected] or call (844) 738-3446 if you'd like to discuss any policy details further.
I HATE THIS COMPANY. I have been with them for a God awful amount of time. I submitted a claim - they closed it WITHOUT notifying me or giving me a reason. I called to ask why and they said it was because they didn't receive my paperwork. Well yea, they did. Bc they saw the email i sent with literally ALL OF THE DOCUMENTS THEY ASKED FOR. They then said, okay they got it, they'll go ahead and re-open the claim. Guess what - the DID NOT reopen the claim. I had to call again for them to tell me they didnt re-open it because the documents I sent needed to be sent from the vet. THE SAME EXACT DOCUMENTS. Again - with no notification or communication. Mind you, they have a folder in the app to "upload supporting documents" which i also did. Don't do it because it apparently does absolutely nothing but waste your time. I genuinely pray this company goes out of business and goes bankrupt because it has been the absolute worst experience dealing with these scam artists. I genuinely HATE this company with a burning passion. And dont give me your "we are sorry you had this experience" bullshit because you're not going to do 1 mf thing about it. F YOU ALL IN THIS GOD AWFUL COMPANY.
Hi Chelsea, we're really sorry to hear that you weren't happy with your experience. We pride ourselves on being able to assist our pet parents, so this is certainly not the experience we want anyone to have. We are sending this over to our customer service team for review now.
I am extremely disappointed with Figo Pet Insurance. After experiencing very poor customer service, I left an honest review detailing my concerns. Figo responded publicly, apologizing for the experience and stating that they would follow up with my case. That response gave me hope that the company was willing to make things right. Unfortunately, it appears to have been nothing more than a public relations gesture. Eight months have passed, and I have never received any follow-up, update, or resolution from Figo. If a company takes the time to publicly promise action, customers should be able to trust that promise. In my case, there was no accountability and no communication afterward. Based on my experience, the customer service has been disappointing, and I cannot recommend Figo Pet Insurance.
Hi Jonas, we’re so sorry to hear about this. We pride ourselves on being able to assist our pet parents, and we’d love the opportunity to learn more about your experience. We are sharing your feedback with our customer service team for review. If you have questions about your policy, or any specific claims, please reach out to us at [email protected] or call (844) 738-3446. Our licensed agents would be happy to review your account and address any concerns in greater detail.
Horrible company. Before moving forward with services at the vet, we specifically called and asked multiple questions to confirm what would and would not be covered. We relied on the information given to us over the phone, only to later find out the coverage was denied. When we called back for help, the representatives offered no real solution, refused to escalate the issue to a supervisor, and would not review the recorded calls to verify what we had originally been told. On top of that, they also refused to fully cover our puppy’s required vaccinations, claiming we had somehow already maxed out the vaccine coverage. Extremely disappointing customer service and communication overall.
Hi Danielle, we're really sorry to hear that you weren't happy with your experience. We pride ourselves on being able to assist our pet parents, so this is certainly not the experience we want anyone to have. We are sending this over to our customer service team for review now.
At first when I had to file a claim, it was good news. An emergency situation was handled and I was reimbursed about 60%. Since I have returned to the vet for follow up on the same problem, Figo has paid 0.
Hi Patricia, thank you for reaching out and we’re so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. Please reach out to us at (844) 738-3446 so we may address any questions or concerns about any specific claims in greater detail.
On May 22, I called Figo after they responded to this review (below), asking me to call them so they could try to help fix this situation. The Figo customer service rep knew nothing about my situation or about Figo's response to my review below. LOL What a waste of my time. Their request for my call was merely an automated prompt. Not surprising. After having dogs for 25 years without pet insurance, I became a new Figo customer and was excited to have extra protection if we needed it. Figo quickly rejected my first claim, made about five weeks into my insurance, which was for treatment for a hot spot, because my vet erroneously wrote in her office visit notes that I had mentioned seeing a spot on my dog's cheek two weeks before my visit. What I had told the vet was that I had seen a spot two days before my visit during his bath time. However, it looked like a small healed-up sore of some kind, until two days later, it appeared red and expanded. Thus, I promptly made an appointment with the vet that same day. Notably, my dog's records show NO call to the vet two weeks before the visit in question and NO visit as well. For all anyone knows, even if I had seen a spot on my very outdoorsy, active Golden Retriever, it could have been something else non-related. The vet's notes say nothing about any evidence that my dog's hot spot was related to "a spot" (no other description given) from two weeks prior. She indeed has no evidence to prove so, as the records indicate. However, since the claim that I said I saw a spot two weeks before my visit falls within the Figo "waiting period" of three weeks from purchase of insurance, Figo has decided to reject my claim under the category of a pre-existing condition. This is wild to me since even my veterinarian cannot prove there was a pre-existing condition, nor does she necessarily claim there was. I am new to the pet insurance world after having dogs for 25 years. I am beginning to wonder if I made a bad choice with Figo. I am a Costco member, so there is a deal with Figo, but paying an extra monthly bill for insurance that is going to look for excuses to not pay when I have a claim is not what I was signing up for when I decided to try out pet insurance. Disappointed.
Hi Lauren, thank you for reaching out and we’re so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. Please reach out to us at (844) 738-3446 so we may address any questions or concerns about any specific claims in greater detail.
I wish my husband never brought the Figo Pet insurance pamphlet home from Costco because this is literally the worst most stressful experience I have ever had with an insurance company. Firstly, their exclusions are way more than covered conditions. They decline more claims than they approve and the reasoning is always listed as "pre existing" conditions and this is not during the waiting period. They only really investigate your claim when you appeal it and then if you are lucky it will be approved. My 10 year old Australian shepherd had 2 growths removed (like hanging moles) and they declined the claim as "pre existing" because they class these as "masses" and my dog was diagnosed with a fat mass in 2023 but the veterinary doctor advised us not to remove it because it was not causing any kind of discomfort or illness. After they declined the removal of the growths as pre existing, I appealed it and my vet sent a letter to them explaining that these were nothing like his previous diagnosed lipoma mass and these growths were first diagnosed on March 19,2026 and we had the surgery on March 26 2026. I received a letter back from them to tell me to read the exclusion page where it states that after a first diagnosis of a mass no other masses are covered under this policy. These weren't even masses. Please DO NOT enroll with this Company and I am going to take this up with Costco as well as they should not be endorsing such an unscrupulous Company.
Hi Mark, we're really sorry to hear that you weren't happy with your experience. We pride ourselves on being able to assist our pet parents, so this is certainly not the experience we want anyone to have. We are sending this over to our customer service team for review now.
The process is simple and the customer service is very helpful and payments are very speedy.
Hi Joanna, we really appreciate you sharing your kind words with us and for being part of the Figo fam! 😊
So easy to file claims through the app and track their status. I also appreciate the knowledgeable reps when I call.
Hi Jennifer – we’re thrilled to hear about your great experience with us! Please don’t hesitate to reach out again if you need any further assistance, and thank you for being part of the Figo fam. 😊
I am a walking advertisement for Figo and cannot say enough good things about them. I got pet insurance for our puppy and that first year, it didn’t actually save us any money (we came out about even but I appreciated the peace of mind). I considered ending our coverage and am so glad I didn’t! Our dog started having seizures and needed hundreds of dollars worth of labs, ultrasounds, vet visits, medications, etc. I continue to pay our monthly cost of about $35 and we get his monthly medication ($18/month) 100% reimbursed. Between this and all of the other labs and work we’ve done, I am so appreciative that I stayed with Figo! Every other pet insurance company I looked into had a per incident deductible which in my mind defeats the purpose of insurance. Look no further and go with Figo!
Hi Lexie, thank you so much for sharing your wonderful feedback with us and for being part of the Figo fam! 😊
Prompt Response and well coordinated . Appreciate all my experience with FIGI
Hi Tim, thank you so much for sharing your wonderful feedback with us and for being part of the Figo fam! 😊
My dog required the removal of 9 teeth during a routine dental cleaning. After filing my claim for only the teeth removal, (1) FIGO asked vet for clinical summary within 2 biz days or claim would be closed without ability to re-open. My vet sent 14 pages including images. (2) FIGO then asked for 2 years of records... within 2 biz days or claim would be closed without ability to re-open. My vet complied. (3) FIGO adjusted my claim to vet billed amount which included uncovered items, then denied claim due to pre-existing conditions. My dog is only 7, he had none of the noted conditions other than tarter... they can't be serious. We all have tarter every time we get our teeth cleaned! (4) I emailed them an appeal and the email got an auto-reply that the email address on their EXPLANATION OF BENEFITS was decommissioned. This is a very shady outfit. Why pay hundreds annually with only a faint hope they will pay? I won't again.
Hi, we are so sorry to hear about this. We’d love to speak further and get more information and answer any questions you may have about your specific claims. Please do not hesitate to reach out to us at (844) 738-3446 if you would like to discuss your account in greater detail.
I used to have another Pet Ins. company handling my pet insurance but every year prices would go up and up until I couldn't afford it on both dogs. I decided to try Figo and so far I am pleased with pricing. Rates do go up every year but it doesn't seem as hefty. The only thing that is bothersome is that it takes about 1 week or little longer to know if your claim is going to being paid or not. Once the claim is closed you have to go onto your cloud to find out how much was reimbursed. The good news is that the reimburse usually hits within a few days if you have direct deposit. Overall, I like there service for my fur babies.
Hi Becky – we’re thrilled to hear about your great experience with us! Please don’t hesitate to reach out if you need any further assistance, and thank you for being part of the Figo fam. 😊
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