Figo | Pet Insurance Review

Having had pet insurance on my 10 year old dog with another company with no issues I thought about insuring my new puppy with them to find out that the plan I had was no longer available. I decided to try Figo because of the relationship with Costco. Figo has very poor customer service and support. After submitting a claim they asked for additional information from the vet which the vet provided. Figo failed to update the claim or communicate with me as to the status of the claim. In the app it was just marked as "Done!" It took multiple phone calls (50+), emails and chats over the course of a month to finally get the claim addressed

I signed up for Figo because it was affiliated with Costco and I thought they would provide great service because of this. However, it takes a very long time for claims to be processed with no communication about the status of claims or if more information is needed to process a claim. You need to follow up on your own. I was carrying another policy because most insurance companies have a 6 month waiting period on certain procedures. However, I did not know this would affect the coverage on eligible claims I submitted with Figo. When my pet passed away unexpectedly, Figo would not cover ANY of the expenses because I had another policy. I didn't expect the full amount to be covered twice, but they could have at least covered the difference so the entire amount of my pet's final care was covered. I am VERY disappointed and will not be recommending Figo to any of my friends with pets.

Unless you are insuring a puppy with absolutely no health issues, Figo will deny every claim by stating there is a pre existing condition. I had a rescue dog that I did not know any of her health history. She had a little arthritis, controlled with Carprofen. I learned of a small heart murmur on her first vet visit, she was fine for a year, suddenly developed congestive heart failure, had an emergency vet visit that cost several thousands of dollars. Figo somehow found her old records from the rescue organization that I had never seen and denied every single vet appointment and the emergency vet bill stating all were pre existing conditions. When I called them from the emergency vet they said they would cover 70%. I spent $50 a month for a premium that was completely useless. This company is a scam. Be very careful.

My experience with Figo has been consistently disappointing, mainly because their coverage is far more limited than what many other pet insurance companies include as standard. Important items that should be basic — like euthanasia coverage and after‑care/disposal fees — are not included unless you pay extra for multiple riders. It feels less like comprehensive insurance and more like a base plan with a long list of upsells. Another major issue is how Figo handles emergency vet visits. They do not automatically cover emergency exams unless the veterinarian is willing to certify that the situation was “life‑threatening.” The problem is obvious: you don’t know whether something is life‑threatening until the vet actually evaluates your pet. This puts pet owners in an impossible position during stressful moments, and it’s not a requirement I’ve seen with other insurers. Figo insists that all of this is “clearly explained,” but in reality, the only place these limitations are spelled out is deep inside the policy documents. Their coverage summaries and marketing materials are written to sell the policy, not to help you understand what’s actually included. You have to dig through pages of fine print to discover what’s not covered — and there’s a lot that isn’t. Overall, Figo feels more like a sales funnel than a transparent insurance provider. If you’re looking for straightforward, comprehensive coverage without hidden exclusions or required riders for basic protections, I would strongly recommend looking at other companies first.

We have a high maintenance dog with a lot of vet bills and Figo has been a lifesaver for us.