Figo | Pet Insurance Review

Conditions like bacterial infection of cats can happen over time. Figo straight up denied claims for simple things as pre-existing conditions. Not worth keeping the insurance. The good thing was that cancellation was easy.

Figo has been great with our adopted dog. It’s easy to file claims and they review them quickly and reimburse quickly. My dog had a major accident and I worried they wouldn’t cover her but they covered 90%! I have been recommending Figo to everyone!

Reviewed our insurance coverage and was sent reimbursement without delay. Make sure you send your information without delay as I waited too long and it was beyond the date of reimbursement.

Figo has been exceptional as my pet insurance. I’ve had Figo since I’ve had my dog and very happy that I did for peace of mind. We unfortunately had a several emergency room visits and the claims process with Figo was extremely easy and efficient. I was able to follow the status of the claims on the app and get answers to any questions very easily talking with customer service. I would recommend Figo to any pet parent.

High Premiums & Crazy Hike at Renewal Figo increased my premiums by 40% and 31%. Now over $310/mo for two healthy dogs. I have been with Figo since 2021. I renewed my policies for a new zip code in March 2025 for a 5yr 2mo old dog and a 7yr 3mo dog. The monthly premiums increased less than $10 per policy due to a new zipcode to $118/mo and $114/mo for each dog respectively ($232/mo total). That’s fine. However, upon autorenewal in May 2025 (only 2 months later) Figo is now increasing the premiums to $165 and $149 per month citing age, breed, and zip code. There was no change in zipcode since the March renewal, no change in breed (obviously), so the only cited reason by Figo that did actually change is age... By two months! How on earth do they justify a 40% and 31% increase in cost for a 2 month increase in age!? These are two healthy dogs / breeds with no persistent health issues and who are not particularly old. I understand Figo has the right to increase premiums by whatever amount they desire, however their cited reason does not make sense to me. Only reason they get two stars and not one is because they paid claims when I submitted and did not scam me. However, we will be cancelling because nearly $4,000 a year is absurd and I am afraid of how much they will jack up the price next time if we stay. Honestly, the insurance is probably not worth it in my opinion. Even though I have filed claims I am probably still in the red given the premiums I have paid since 2021. In my opinion the only benefit is you can essentially spread the cost of a surprise / emergency vet bill over time but you are absolutely paying for that privilege. If you can afford an emergency vet bill once in a blue moon, I advise skipping the insurance.