Figo | Pet Insurance Review

My experience with Figo has been consistently disappointing, mainly because their coverage is far more limited than what many other pet insurance companies include as standard. Important items that should be basic — like euthanasia coverage and after‑care/disposal fees — are not included unless you pay extra for multiple riders. It feels less like comprehensive insurance and more like a base plan with a long list of upsells. Another major issue is how Figo handles emergency vet visits. They do not automatically cover emergency exams unless the veterinarian is willing to certify that the situation was “life‑threatening.” The problem is obvious: you don’t know whether something is life‑threatening until the vet actually evaluates your pet. This puts pet owners in an impossible position during stressful moments, and it’s not a requirement I’ve seen with other insurers. Figo insists that all of this is “clearly explained,” but in reality, the only place these limitations are spelled out is deep inside the policy documents. Their coverage summaries and marketing materials are written to sell the policy, not to help you understand what’s actually included. You have to dig through pages of fine print to discover what’s not covered — and there’s a lot that isn’t. Overall, Figo feels more like a sales funnel than a transparent insurance provider. If you’re looking for straightforward, comprehensive coverage without hidden exclusions or required riders for basic protections, I would strongly recommend looking at other companies first.

We have a high maintenance dog with a lot of vet bills and Figo has been a lifesaver for us.

It was an exceptionally good experience. The turn around for the claims went smoothly and quickly.

Easy to submit claims, though there was a delay when I needed to reopen a case (due to lack of documentation).

I am so grateful to have this pet insurance, and I urge anybody with pets to get it. The app is super easy to use and submitting a claim is very simple. They also always been very responsive anytime I had a question.