Figo | Pet Insurance Review

"Feeling really let down by @FigoPet insurance. We chose them, especially as a Costco member, for peace of mind. But now, after my puppy Shadow's accident (ran into a wall on 7/18), they're denying coverage by labeling it an orthopedic injury (30 day wait) instead of a simple accident (1-day wait). I am appealing this misclassification, expecting it to be re-opened as an accident. Update: 8.18.25 - My appeal was denied. Figo wont pay anything towards my $720 claim. Apparently anything other than a broken bone doesn't qualify as an orthopedic accident and is subject to the 30 day waiting period. From their reply to my appeal: "Orthopedic conditions, with the exception of broken bones only, are considered Orthopedic Illnesses under this policy." So, if your pup runs into a wall or falls, trips or has some other form of accident and is screaming and limping and you decide to take him/her to an emergency vet... Unless it is a broken bone Figo won't pay for the vet visit, diagnostic x-rays or pain medication. I will be dropping my Figo policy immediately. I suggest that you stay away from this poor quality & misleading insurance coverage.

Insurance SUCKS And Is Only a Win For The Company! The Ultimate Plan Is Garbage! I Don’t Know If Any Of The Plans Cover Vet Visits. I Am Very Close To Dropping This Plan 5 Months Early. Just Submitted a Vet Visit Claim But Pretty Sure, Nothing Will Be Covered If Any. And My Monthly Payment Is $124. Time To Do Serious Homework For a Better Plan. I Just Paid $242.51 And If Nothing Gets Covered, I Will Drop Them. The Best Plans Are Those That Cover Vet Visits. BANFIELD Is a Good Supplement With This Plan But This Plan Is Expensive. However, They Will Cover Illness/Injury Up To $1,000,000 But After You Pay Out An Initial $500. If Your Pet Is Seeing a Vet Weekly Or Even Monthly, You Need Insurance That Covers The Vet Visits. Do Your Homework. I Might Keep This But Will Have To Add The BANFIELD Plan To It Till This Expires. They Do Have Added Vet Coverage For An Additional $30 Or So But You Have To Wait For Enrollment. I’m Just Mad That When I Purchased It, They Did Not Tell Me My Vet Visits Were Not Covered. My Main Concern Regarding This Plan Is Their Awful Lack Of Paying Claims! Obviously, They Don’t Care About The Pets Or The Customer. They Only Care About The Money. That’s Fine, Cause Like I Said, I’m Done If My Claim Is Not Covered In Some Way. I Just Wish I Had Searched Reviews On Trust Pilot. Their Reviews Are God Awful! When You See That, A Picture SPEAKS A THOUSAND WORDS! AVOID AT ALL COST! You Are Better Off Just Opening A High Yield Savings Account For Your Pets Vet Bills Rather Than These Crooks!

THEY ONLY PAID $5 for a submitted claim for $1467. FIGO agreed $1293 was eligible. Policy for $10,000 max annually, $900 deductible, then 70% coverage. $1293 - $900 deductible = $393. $393 remaining times 70% = $275 to be paid by FIGO. Insured pays $900 deductible and remaining balance $118. ONLY WAS PAID $5. WHAT A SCAM

Last year only took a couple days to get approved and paid. This year was about a week and a half but once it got approved got paid right away. Other than that great service.

Figo is quick to review claims and provide reimbursements. The claim process is easy, especially with the app. My only complaint is that because we use our insurance for frequent issues, our premium has jumped significantly from year to year. I wish there was more transparency around this formula.