Figo | Pet Insurance Review

I’ve been very impressed with how quicker the claims process goes and the overall ease of submitting a claim.

TLDR: not at all worth your money, get a high yield savings account instead. Update, as I'm not interested in the typical marketing tactic of "contact us 1:1 offline" -- I'd like to share some math and correct a few figures I admit I got wrong in my original review: I canceled my Figo policy after two and a half years and ran the numbers on what it actually cost me. From December 2023 to July 2026, I paid Figo $1,655.40. Figo reimbursed a total of $70 for one annual vet visit in 2025 and $40 toward a $400 diagnostic bill when my dog was being tested for cancer. That's $110 total, about a 6.6% return on what I paid over my policy. My rate also went up twice with no added coverage — from $41.32/month to $54.30, then to $61.62, a 49% increase in two years. My dog's actual annual checkups run $70–$100, so I ended up paying about the same each month as my annual vet visit. When a 'real' bill came (~$400 for a cancer screening + some other tests), Figo covered $40 of it. I had a second opinion appointment a few weeks later for another $340 and didn't even bother filing that claim, because at that point it was clear the payout wasn't coming with the policy I had been paying into. If I'd put that same money in a high-yield savings account instead, I'd have close to $2k accessible, for exactly the kind of emergency vet bill insurance is supposed to help with. Instead I paid over $1,500 for $110 back. Do the math on your own policy before you renew. For me, it wasn't even close. Original Review: My dog is dying of cancer at only 6 years old, and he's been perfectly healthy until now. When I finally needed Figo to actually help, they covered $40 of a $400 vet bill after I'd paid $65/month faithfully. I would've been financially and emotionally better off never signing up. Figo is just further proof insurance is a predatory scam. If you're a responsible pet owner trying to plan ahead, save your money and put it in a savings account instead. At least then it's actually there when your pet needs it. I'm closing my account and telling everyone I know to steer clear.

Absolutely pathetic. I cancelled Figo after having them for 1-2 years, religiously paying my premiums for my two dogs. I submitted a claim for one of my dogs who had a small pimple sized growth on her hind leg. A month ago it started bothering her and the vet treated it, doing a biopsy to make sure it wasn’t cancerous. Because this small pimple was there prior to coverage(but the problem arose during coverage), Figo denied the claim. They are disgraceful money grabbers.

They are quick to get reports from the vet and issue payments. I gave four stars because there were issues with making payments to me. They would show that the claim would be paid but no payment was issued and they close the claim. I’d have to follow up and then payment was issued.

I had a very disappointing experience with Figo Pet Insurance. I purchased this policy for peace of mind, expecting my cat's medical care to be covered when needed. However, when I submitted a claim for an ear infection that occurred after my policy became effective, Figo denied it, stating it was a pre-existing condition. My policy began on October 3, 2025, and there were no documented ear problems before that date. I appealed the decision and provided additional information supporting my case. I was told I would receive a response within about 30 days, but it has now been over 30 days, and I still have not received any update or decision on my appeal. It's frustrating to pay monthly premiums and additional fees for coverage, including the Vet Exam Fees add-on, only to have a claim denied under these circumstances. I expected a thorough, fair review and a clear explanation based on my cat's actual medical history. Based on my experience, I do not recommend Figo Pet Insurance. I paid for coverage expecting support when my cat needed medical care, but instead I received a denied claim and have been waiting more than 30 days for a response to my appeal. Because of this experience, I will be canceling my policy.