Figo | Pet Insurance Review

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.

The process is simple and the customer service is very helpful and payments are very speedy.

So easy to file claims through the app and track their status. I also appreciate the knowledgeable reps when I call.

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!

Prompt Response and well coordinated . Appreciate all my experience with FIGI