Figo | Pet Insurance Review

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.

Our dog, four years old, has always been healthy. In December, he contracted a strange cough. Took him to our vet twice. He was diagnosed with allergies (it was most likely kennel cough). This incorrect diagnosis and improper medication made it worse. Long story short; due to a bad diagnosis, our dog ended up with pneumonia. We contacted the 24 hour vet line and the Figo vet instructed us to rush him to the ER. He was in the hospital for six days, on a ventilator for two. We have never had to use our pet insurance before. Thank goodness for it. The bill was huge. With two days of submitting all receipts, the money was deposited into our account. I feel sorry for those who have to make the horrible decision to let their pet go because of how expensive emergency care can be. He is now five years old, back to near 95% after his severe pneumonia, thanks to Figo insurance.

Quick response and good information exchange between Fido and the Vet

I switched over to a new insurance a few years ago and I am so glad I did! Figo has been great and with a pet that is has been having a lot of injuries the past year, the app as made is super easy to file a claim.

Multiple issues with Figo. My claim for one of my dogs was denied as Figo claimed it was an existing condition although my dog had never had a blood blister/scab on the middle of his back. A cyst was found under the scab. No where in his medical history did he have a blood blister/scab on the middle of his back with cyst. Furthermore, Figo has made it very difficult to get my claims paid out. Claims paid in the past were easier to get paid out than recent claims with the same and/or less documentation provided. It appears Figo doesn't like to pay claims once they have paid a large amount of money associated with claims.