Figo | Pet Insurance Review

The process of registering our Samoyed puppies with Figo Pet Insurance was extremely easy. As expected, enrollment is very smooth—they are clearly set up to make purchasing insurance simple and efficient. Our premium was approximately $300 per month for both puppies, which we felt was reasonable given their value and status as show dogs. After enrollment, there was a standard waiting period of about two weeks before coverage became active. This is when the issues began. Our puppies were only 10 weeks old at the time—very healthy, well-bred show dogs receiving excellent care. During a routine check, we found a tick. Although it was not embedded, we acted cautiously due to their status and had them evaluated. The tick itself tested positive for Lyme disease (not the puppy). Based on veterinary guidance and out of an abundance of caution, we proceeded with a two-week course of doxycycline. We submitted a claim, and initially, the process seemed straightforward. However, when I followed up two weeks later, I was informed that claims processing takes 6 to 8 weeks, which I was told is standard for the company. This is where the concern lies. When you are paying over $300 per month, you expect timely support—especially in situations that could escalate. Veterinary emergencies can range anywhere from $1,000 to over $20,000. Many families do not have immediate access to that level of cash. A reimbursement model that takes 6–8 weeks creates significant financial strain and risk. Fortunately, we have the resources to cover unexpected costs, but many pet owners do not. In a true emergency, waiting weeks for reimbursement is simply not practical. For this reason, I strongly encourage anyone with high-value or show dogs to carefully evaluate their insurance options. We ultimately considered switching to Trupanion. While it is more expensive (our premium increased to approximately $650 per month for 90% coverage with a $200 deductible), their model is fundamentally different. In many cases, they can pay the veterinarian directly at the time of service, which eliminates the need for large out-of-pocket expenses upfront. Bottom line: Figo Pet Insurance is easy to enroll in and competitively priced, but the extended claims processing time is a significant drawback—particularly for owners of high-end or show dogs where rapid access to care and financial flexibility are critical. Before choosing pet insurance, take the time to understand not just the cost, but how and when claims are actually paid. It can make a major difference when it matters most.

Easy claim filing procedure.

I am so happy that I chose Figo pet insurance for my three dogs. I never had Insurance before but decided to get it when my oldest dog turned 10. Right after getting the insurance, he tore his ACL and had to have surgery. Just recently, he toured the other ACL. Almost $20,000 in medical bills. Figo went out of their way to make sure my dog had coverage, even though there was a 6-month wait for orthopedics. He tore his first ACL after having the insurance just for a month. They worked hard to get him approved. I'm so happy with Figo. Their customer service is top notch. Always friendly and helpful. I had a couple of claims that were denied but I was allowed to appeal. I don't know what we would have done without Figo

I wish I read reviews before signing up with Figo through Costco (I will be submitting this review through Costco customer service directly, they need to drop Figo ASAP). You'll be lucky to get anything paid out. My pup has had a rough few months with a sudden illness, hospital stay, and a number of follow-up visits and medications. Figo finds ANY unrelated reason to not pay out your claim. I am considering hiring an attorney to go after them at this point. Absolutely and total disaster of a company.

I have 3 dogs and have been with Figo via Costco for over a year. In order to register a pet, you must send in the last vet visit note including physical exam before they approve the pet insurance. I filed a claim last week and they put the claim on hold asking for the initial vet visit for this dog-WHICH THEY ALREADY HAVE! I had to call the vet and waste their time and also mine. Do NOT use this insurance. Try Lemonade instead as my family members use them and NEVER get hassled like this.