Figo | Pet Insurance Review

At first when I had to file a claim, it was good news. An emergency situation was handled and I was reimbursed about 60%. Since I have returned to the vet for follow up on the same problem, Figo has paid 0.

After having dogs for 25 years without pet insurance, I became a new Figo customer and was excited to have extra protection if we needed it. Figo quickly rejected my first claim, made about five weeks into my insurance, which was for treatment for a hot spot, because my vet erroneously wrote in her office visit notes that I had mentioned seeing a spot on my dog's cheek two weeks before my visit. What I had told the vet was that I had seen a spot two days before my visit during his bath time. However, it looked like a small healed-up sore of some kind, until two days later, it appeared red and expanded. Thus, I promptly made an appointment with the vet that same day. Notably, my dog's records show NO call to the vet two weeks before the visit in question and NO visit as well. For all anyone knows, even if I had seen a spot on my very outdoorsy, active Golden Retriever, it could have been something else non-related. The vet's notes say nothing about any evidence that my dog's hot spot was related to "a spot" (no other description given) from two weeks prior. She indeed has no evidence to prove so, as the records indicate. However, since the claim that I said I saw a spot two weeks before my visit falls within the Figo "waiting period" of three weeks from purchase of insurance, Figo has decided to reject my claim under the category of a pre-existing condition. This is wild to me since even my veterinarian cannot prove there was a pre-existing condition, nor does she necessarily claim there was. I am new to the pet insurance world after having dogs for 25 years. I am beginning to wonder if I made a bad choice with Figo. I am a Costco member, so there is a deal with Figo, but paying an extra monthly bill for insurance that is going to look for excuses to not pay when I have a claim is not what I was signing up for when I decided to try out pet insurance. Disappointed.

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.