Figo | Pet Insurance Review

Most things that I needed were not covered. So by the time I paid the premium and the cost of the service I basically broke even which saved me $0 hence rendering the insurance useless.

Filing claims is extremely easy. At the beginning, it took FOREVER for claims to be closed. Now it is going a little quicker. They have denied items based on reading documents incorrectly causing me to have to file an appeal. I too signed up because they are associated with Costco. The one thing I can count on…..they definitely take their premiums on time!

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.