Figo | Pet Insurance Review

Updated 12/31 – Claim Handling Failure & Bad-Faith Denial As of December 31, FIGO has never contacted me or my veterinarian for clarification, yet they denied $500.39 for a critical medical condition without providing any substantive medical explanation. Their system-generated note states: “An attempt was made to obtain clarification on $72.68 credit in order to continue processing this claim. Please contact figopetinsurance.com with any further questions.” This statement is misleading. There was no real attempt to obtain clarification. No phone call. No email to the veterinarian. No request for medical records beyond what was already submitted. Claim ID: FPI30000114468 Instead of engaging in good-faith review, FIGO simply denied the claim in full. Full Review – Why FIGO Failed My Dog I deeply regret choosing FIGO for my dog, Loc. I pay over $100 per month in premiums, yet every claim is handled with extreme delay and minimal effort. A standard claim takes weeks to review. An appeal can take an entire month, only to be auto-denied without any meaningful medical evaluation. My dog is medically fragile, with: Chronic anemia Immune suppression Cancer history Severe gastrointestinal malabsorption The treatments submitted in this claim were life-supportive medical care, not wellness supplements. They were explicitly prescribed by his veterinarian as part of a medically necessary treatment plan. FIGO acknowledged in writing that these items were part of the treatment plan. However, instead of: Contacting the veterinarian (whose information was clearly provided), Requesting clarification, Or conducting any medical due diligence, FIGO chose the fastest and most negligent route: Categorize everything as “supplements” and deny the entire claim. This was not a medical decision. It was an administrative shortcut. Pattern of Delay, Denial, and Non-Communication FIGO’s claims process appears structurally designed to delay, discourage, and deny, especially when a pet has serious or costly medical conditions. There is: No proactive communication No vet outreach No explanation-based denial No evidence of case-by-case medical review Only automated responses and blanket exclusions. By contrast, other pet insurers do reimburse medically necessary supportive therapies when prescribed for conditions such as anemia, malabsorption, or cancer recovery. FIGO categorically refuses coverage while continuing to collect high monthly premiums. Final Assessment FIGO demonstrates: Extremely slow claim processing Poor follow-through Lack of communication No meaningful medical review A denial pattern that feels automatic, not clinical Choosing FIGO was a serious mistake. I stayed only because this plan was offered through Costco, and I now fully regret that decision. If your pet has real medical needs, especially chronic or complex conditions, avoid FIGO at all costs.

It's useful and I like it too much

I’ve had an excellent experience with FIGO Pet Insurance. The service has been outstanding — I submitted my reimbursement request and received my payment back much faster than I expected. The process was easy and smooth, and the pricing is very reasonable for the coverage you get. I highly recommend FIGO for anyone looking for reliable and efficient pet insurance.

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.