Figo | Pet Insurance Review

If you’re thinking about getting pet insurance through Figo, I’m begging you to hear my story first. I took out a policy with them in September for both of our miniature schnauzers. One of them had been dealing with allergies, and I wanted to make sure we were doing everything we could to keep him healthy and protected. Then, out of nowhere, our sweet dog was diagnosed in November with a rare and devastating form of cancer—something we never could have prepared for. It was a shock, and all we wanted was to get him the care he needed. But when we filed our claims with Figo, hoping the insurance we’d been faithfully paying for would help, they denied every single one. They labeled everything as “pre-existing,” even though the cancer was diagnosed months after our policy began and confirmed by our veterinarian. It felt like they were looking for any excuse to say no. Because of those denials, the costs piled up quickly. We did everything we could for him, and thankfully we were able to cover the bills—but I kept thinking about families who couldn’t. No one should ever have to choose between paying their bills and saving their pet’s life. The hardest part came when our beloved dog lost his battle with cancer. In the middle of grieving, I submitted a claim for his final expenses, hoping at the very least they would honor that. They denied it too. That last denial was like a final blow. Figo has been the most disappointing and heartbreaking insurance experience I’ve ever had. My hope in sharing this is simple: to spare someone else from going through what we did. If your pet is sick or suddenly faces something serious, you need an insurance company that will stand by you—not one that turns away when you need them most.

Their claim processing is fine but their customer service is terrible. Twice I have reached out to them inquiring about very specific coverages on my policy and all we received were boiler plate answers to refer to our policy coverage paperwork. Duh! That’s why I reached out to them to explain what is covered and what isn’t. I’m not a lawyer and only asked for specifics before procedures were to be done. They answered both times to have the procedures done and then submit a claim to see if they provide coverage. Not professional is any way.

Very easy to deal with FIGO. The app is user friendly and the reimbursement is true to the contract. I've been with them for over a year, and I still love them!

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!