Figo | Pet Insurance Review

I regret ever choosing FIGO for my dog Loc. I pay over $100 per month, and every single claim is painfully slow. It takes weeks just to get a basic claim reviewed, and when I file an appeal, FIGO can take an entire month just to look at it — only to auto-deny without doing any real medical evaluation. My dog is medically fragile with anemia, immune suppression, cancer history, and severe GI malabsorption. His veterinarian prescribed these treatments as life-supportive care, not wellness supplements. FIGO even acknowledged in writing that they were part of his treatment plan. But instead of contacting the vet (whose information is clearly in the file), or asking for clarification, FIGO chose the fastest and laziest route: deny everything under “supplements” with zero effort. It feels like FIGO’s system is designed to delay, ignore, and deny, not to help sick pets. Meanwhile, other insurers like Lemonade DO reimburse medically necessary supportive therapy when prescribed for anemia, malabsorption, or cancer recovery. FIGO refuses all of it while happily taking over $100 of premium every month. Slow processing, terrible follow-through, no communication, no medical due diligence, and a denial rate that feels automatic. Choosing FIGO was a huge mistake — I only stayed because it was offered through Costco, and now I completely regret it. If your pet has any real medical needs, avoid FIGO at all costs.

I couldn’t be happier with this pet insurance. I’ve had several others and had to wait forever for claims to be paid, but Fego is great! We’ve had issues with our daschund for the last six months and it has saved us so much money. Very happy to recommend this to everyone I talked to!

DO NOT GET. A waste of money INSANITY. My wife and I got a new kitten and purchased the insurance. We waiting for it to be active before his very FIRST visit. He had what seemed like a hairball and we brought him ; the vet say may be respiratory. Now without ever bringing him anywhere a brand new pet how do you know any previous history he’s a baby too??? Yet they said it’s preexisting when JUST diagnosed. I appealed the denial of coverage and it has been MONTHS back and forth saying still under review in process but I will have an answer December 1st definitely. I call them December 3rd to be told there has never been an appeal… I was on the phone with them for So long they could’ve told me that all the other times instead of giving me a LIE it’s been in the process.. multiple times put on hold to be hung up on or sent to a voicemail. If you ask to speak to any other department about your case they say there is no one they speak on your behalf. You request a supervisor you’re put on hold and hung up on. They send you in circles lie to you don’t cover anything you pay for just take your money. THE WORST. Better off paying the expensive bills out of pocket cause you’re giving away money to them to do nothing anyway. We paid for premium plan too and nothing has been covered. Everything you bring your pet in for too you must always send a claim and await if it’s covered.

Good service and coverage.

I never had pet insurance before and never thought it would be necessary! As my dog was healthy and started aging a bit, I checked some different pet insurances and Figo review was outstanding compared to other insurances. Also when Costco is working with you, that means you are the best. Anyway, my dog started being sick months after I enroll and I started claiming medical expenses. All Figo asked was to provide documentation that this is not pre-existing and the medical summary for each visit. I always got my reimbursement paid directly to my account within 2 weeks. Never any issue! Figo is not about money you pay which is nothing, but it is about the support they provide. If Figo wasn’t there for me, I had to spend $20k in 2 years out of pocket!! Figo is the best, get it and cover your Pet insurances case of any illness or accident (I hope it never happens to you).