Figo | Pet Insurance Review

Very disappointed with Figo. I purchased insurance for my pets expecting reliable support, but instead I’ve faced constant refusals and shifting explanations. 1. First denial: I was told that “the first month isn’t covered,” even though this was never clearly communicated at the time of purchase. 2. Second denial: They claimed that because my cat is not spayed, any health issue is automatically considered a consequence of that. 3. After that: Every single claim has been dismissed as a “pre‑existing condition,” regardless of the situation. The most absurd case was when my cat jumped off the couch, twisted her leg, and her paw became swollen. A simple injury that needed attention. Pet Claude refused the claim, stating that she “has cancer and they won’t cover it.” My cat has never been diagnosed with cancer. This was just another excuse not to provide coverage. This company seems focused on avoiding payouts rather than helping pets and their owners. Constant denials, contradictory explanations, and a complete lack of accountability. I do not recommend Figo.

I’ve had my poodle for 7 years now and I used to be a Trupanion customer. After switching to Figo I can say that the service and claims process is much much better than its competitors. Because of Figo I don’t have to constantly worry whether a veterinary emergency or procedure will set me back financially. Figo is a top quality insurer and I recommend them to anyone who needs to cover vet bills. They can be a bit on the pricier side but you definitely get what you pay for. Key Features: - Full cloud support to store policy documents and anything you’d like to add - Dedicated email address - Easy claims process that can be completed with just a few clicks - Social profiles to connect with other pet owners and post pet photos and microchip info - Claims process you can track from start to finish - Partnered with Costco

They paid 5% of an emergency claim where the policy says 70%. We wasted our money on this policy and were deceived by what they said they would cover. Despite trying to appeal, we were told the claim was closed and recourse was not available. Terrible customer service and claims experience.

Paid heavy premiums for both of my dogs. Every claim I had went wrong. I had to take time from my day to clarify call veterinarian to get documentation that I felt like it was there job. They denied a large claim stating it was in the 6month waiting period even though I was paying the premiums and wasn’t aware of the waiting period. Very deceitful to say the least. Wasted money with this unworthy company and time. I wouldn’t recommend this dog insurance company to anyone.

They will do everything they can to avoid paying you and ripping you off