Figo | Pet Insurance Review

Figo used to be good but no longer do they support your concerns. They have double billed me several times and say they can’t fix it. The customer service is awful and accounting is even worse. Do not purchase it. You will regret it later

The fine print and layout of the explanation of the benefits is deceptive. The graphic that summarizes the policy benefits shows two circles - one says $500 deductible, and the other circle says "unlimited". The categories of benefits listed below do not apply to the deductible. ALSO, I was unaware that there was a 181 day deadline to file claims. After spending $716. for one dog, and $657 for my second dog, I am being denied most of my claims because they are "late". My brother was diagnosed with terminal cancer and I am caring for him so I wasn't in any hurry to file my claims. I only learned about this "late" policy by calling the company. The claim summary on the app does not explain this, one just sees "$0" benefit. When you submit an appeal the company they have 5 days to acknowledge the claim, then in 30 day increments they let you know know that things are "in review", until they have made a decision. It is rigged to insure that the company keeps most of your premium. I would have saved money if I hadn't bought these policies.

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.

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!

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.