Figo | Pet Insurance Review

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 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.

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.

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.

Updated 12/31 – Claim Handling Failure & Bad-Faith Denial As of December 31, FIGO has never contacted me or my veterinarian for clarification, yet they denied $500.39 for a critical medical condition without providing any substantive medical explanation. Their system-generated note states: “An attempt was made to obtain clarification on $72.68 credit in order to continue processing this claim. Please contact figopetinsurance.com with any further questions.” This statement is misleading. There was no real attempt to obtain clarification. No phone call. No email to the veterinarian. No request for medical records beyond what was already submitted. Claim ID: FPI30000114468 Instead of engaging in good-faith review, FIGO simply denied the claim in full. Full Review – Why FIGO Failed My Dog I deeply regret choosing FIGO for my dog, Loc. I pay over $100 per month in premiums, yet every claim is handled with extreme delay and minimal effort. A standard claim takes weeks to review. An appeal can take an entire month, only to be auto-denied without any meaningful medical evaluation. My dog is medically fragile, with: Chronic anemia Immune suppression Cancer history Severe gastrointestinal malabsorption The treatments submitted in this claim were life-supportive medical care, not wellness supplements. They were explicitly prescribed by his veterinarian as part of a medically necessary treatment plan. FIGO acknowledged in writing that these items were part of the treatment plan. However, instead of: Contacting the veterinarian (whose information was clearly provided), Requesting clarification, Or conducting any medical due diligence, FIGO chose the fastest and most negligent route: Categorize everything as “supplements” and deny the entire claim. This was not a medical decision. It was an administrative shortcut. Pattern of Delay, Denial, and Non-Communication FIGO’s claims process appears structurally designed to delay, discourage, and deny, especially when a pet has serious or costly medical conditions. There is: No proactive communication No vet outreach No explanation-based denial No evidence of case-by-case medical review Only automated responses and blanket exclusions. By contrast, other pet insurers do reimburse medically necessary supportive therapies when prescribed for conditions such as anemia, malabsorption, or cancer recovery. FIGO categorically refuses coverage while continuing to collect high monthly premiums. Final Assessment FIGO demonstrates: Extremely slow claim processing Poor follow-through Lack of communication No meaningful medical review A denial pattern that feels automatic, not clinical Choosing FIGO was a serious mistake. I stayed only because this plan was offered through Costco, and I now fully regret that decision. If your pet has real medical needs, especially chronic or complex conditions, avoid FIGO at all costs.