Figo Pet Insurance

The policy documents are misleading and…

The policy documents are misleading and over state what's covered - for instance vaccines say $50 for all the basic vaccines "per incident". This means if you're like most people and have your dog vaccinated for a few things in one visit, they only pay the $50 once and not for each vaccine. This is one example of many. They are super shady.

Figo came through when our dog got sick

We have had Figo for our Havanese Poodle mix since we got him as a pup. We had never had to make a claim until our dog Asher, now age 7, suddenly developed a scary autoimmune disease that caused his platelets to plummet (ITP). Asher had to be hospitalized for several days and needed a blood transfusion and various other medical procedures. The hospital bill for him was significant and so we filed our first set of claims, hoping Figo would come through. We have been so happy with their service! They covered substantial portions of the claims in a timely fashion. Once the claim is processed, the money is deposited right into our accounts. We are so grateful that we chose Figo when Asher was a puppy. It has given us tremendous peace of mind knowing that we were able to do everything possible to save his life. I’m happy to report that Asher is being weaned off of his meds and is doing very well. Figo continues to cover the ongoing costs.

Predatory-their caps on reimbursement…

Predatory-their caps on reimbursement for well checks are ridiculously low and well visits do not apply towards deductible. Ripoff

Fast service and great communication

Wonderful pet insurance

Wonderful pet insurance. No hassle. Trustworthy. My pets thank you.

Dissatisfied

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 are knowledgeable. Service has gone downhill & premiums are higher than ever. A unsatisfied long-time customer.

I am kept up to date with claims and if…

I am kept up to date with claims and if i have questions they are addressed quickly

Very disappointed with Figo.

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 “the first month isn’t covered,” even though this was never clearly communicated at the time of purchase. 2. Second denial: They claimed that because my cat is not spayed, any health issue is automatically considered a consequence of that. 3. After that: Every single claim has been dismissed as a “pre‑existing condition,” regardless of the situation. The most absurd case was when my cat jumped off the couch, twisted her leg, and her paw became swollen. A simple injury that needed attention. Pet Claude refused the claim, stating that she “has cancer and they won’t cover it.” My cat has never been diagnosed with cancer. This was just another excuse not to provide coverage. This company seems focused on avoiding payouts rather than helping pets and their owners. Constant denials, contradictory explanations, and a complete lack of accountability. I do not recommend Figo.

They paid 5% of an emergency claim…

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 was closed and recourse was not available. Terrible customer service and claims experience.

Paid heavy premiums for both of my…

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 large claim stating it was in the 6month waiting period even though I was paying the premiums and wasn’t aware of the waiting period. Very deceitful to say the least. Wasted money with this unworthy company and time. I wouldn’t recommend this dog insurance company to anyone.

Best for Hassle-Free Claims

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. Because of Figo I don’t have to constantly worry whether a veterinary emergency or procedure will set me back financially. Figo is a top quality insurer and I recommend them to anyone who needs to cover vet bills. They can be a bit on the pricier side but you definitely get what you pay for. Key Features: - Full cloud support to store policy documents and anything you’d like to add - Dedicated email address - Easy claims process that can be completed with just a few clicks - Social profiles to connect with other pet owners and post pet photos and microchip info - Claims process you can track from start to finish - Partnered with Costco

They will do everything they can to…

They will do everything they can to avoid paying you and ripping you off

great insurance cover

great insurance cover, very easy to submit claims,s and very prompt to reimbursement

Figo has really come through with…

Figo has really come through with helping pay for my dog's medical bills. I have been really impressed with how fast claims are being processed and paid (3-4 days), the app is very easy to navigate so submitting claims has been simple. I highly recommend FIGO

The process was quick to figure out and…

The process was quick to figure out and they were even faster in their response. I even made a mistake and they were able to address it without making any delays or comments.

Claim Closed Without Explanation – Reopened Claim but Told It’s “Just Closed, Not Denied”

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 veterinarian to contact them to explain a credit shown on the receipt, even though the receipt already includes full vet information and FIGO has my vet on file. This is unacceptable. I pay insurance premiums. It is FIGO’s adjuster’s responsibility to verify invoices directly with the vet, not to close claims and push the work onto the customer or the veterinary clinic. Closing a claim without verification, refusing to reopen it, and then telling the customer to ask the vet to call you is irresponsible and lazy claim handling. If you actually need reimbursement when your pet is sick, be very careful with FIGO.

Lied to trick us into signing up, denied coverage

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 make sure they denied EVERY penny, and after talking to customer service about how their policies are structured, and reviewing the paperwork, the business model is clear - lie to get you to sign up, because there are no consequences to lying. Then collect your money until you file a claim, which they will deny because basically nothing is covered. Then move on.

It's useful and I like it too much

I’ve had an excellent experience with Figo Pet Insurance

I’ve had an excellent experience with FIGO Pet Insurance. The service has been outstanding — I submitted my reimbursement request and received my payment back much faster than I expected. The process was easy and smooth, and the pricing is very reasonable for the coverage you get. I highly recommend FIGO for anyone looking for reliable and efficient pet insurance.

Be cautious of Figo's policies

If you’re thinking about getting pet insurance through Figo, I’m begging you to hear my story first. I took out a policy with them in September for both of our miniature schnauzers. One of them had been dealing with allergies, and I wanted to make sure we were doing everything we could to keep him healthy and protected. Then, out of nowhere, our sweet dog was diagnosed in November with a rare and devastating form of cancer—something we never could have prepared for. It was a shock, and all we wanted was to get him the care he needed. But when we filed our claims with Figo, hoping the insurance we’d been faithfully paying for would help, they denied every single one. They labeled everything as “pre-existing,” even though the cancer was diagnosed months after our policy began and confirmed by our veterinarian. It felt like they were looking for any excuse to say no. Because of those denials, the costs piled up quickly. We did everything we could for him, and thankfully we were able to cover the bills—but I kept thinking about families who couldn’t. No one should ever have to choose between paying their bills and saving their pet’s life. The hardest part came when our beloved dog lost his battle with cancer. In the middle of grieving, I submitted a claim for his final expenses, hoping at the very least they would honor that. They denied it too. That last denial was like a final blow. Figo has been the most disappointing and heartbreaking insurance experience I’ve ever had. My hope in sharing this is simple: to spare someone else from going through what we did. If your pet is sick or suddenly faces something serious, you need an insurance company that will stand by you—not one that turns away when you need them most.