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Pet parents across the U.S. and Canada have left over 207,763 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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their coverage is far more limited than what many other pet insurance companies include as standard
My experience with Figo has been consistently disappointing, mainly because their coverage is far more limited than what many other pet insurance companies include as standard. Important items that should be basic — like euthanasia coverage and after‑care/disposal fees — are not included unless you pay extra for multiple riders. It feels less like comprehensive insurance and more like a base plan with a long list of upsells. Another major issue is how Figo handles emergency vet visits. They do not automatically cover emergency exams unless the veterinarian is willing to certify that the situation was “life‑threatening.” The problem is obvious: you don’t know whether something is life‑threatening until the vet actually evaluates your pet. This puts pet owners in an impossible position during stressful moments, and it’s not a requirement I’ve seen with other insurers. Figo insists that all of this is “clearly explained,” but in reality, the only place these limitations are spelled out is deep inside the policy documents. Their coverage summaries and marketing materials are written to sell the policy, not to help you understand what’s actually included. You have to dig through pages of fine print to discover what’s not covered — and there’s a lot that isn’t. Overall, Figo feels more like a sales funnel than a transparent insurance provider. If you’re looking for straightforward, comprehensive coverage without hidden exclusions or required riders for basic protections, I would strongly recommend looking at other companies first.
Insurer: Figo
By: Rich Johnson
Benjis story
The process of turning in my vet bill is very simple. The response time is very good.
Insurer: Trupanion
By: Nancy
A very professional establishment
A very professional establishment, and the customer service is top tier. Always making your pet care a priority.
Insurer: Spot
By: Charles Boyd
Easy to use app
Easy to use app, with clear coverage details. Claims were handled quickly. I am so glad I chose to insure my dog baby with Spot!
Insurer: Spot
By: Nicole
Claims paid promptly!
Our claims were reviewed, approved, and paid in under a week.
Insurer: ASPCA
By: Valerie G
No paperwork necessary on my part.
No paperwork necessary on my part.
Insurer: Trupanion
By: Robert
Great coverage
Very quick on processing claims and getting your money . Highly recommend
Insurer: MetLife
By: JT
Thankful for SPOT at a Difficult Time
Thank you for being so easy to work with. After having to take my dog to several doctors to try and determine her sudden severe illness , I was down and had a hard time interacting with others. Your process and rapid response was a blessing at a very challenging time for our family.
Insurer: Spot
By: James Davis