My puppy was found to have an ear infection at her vet check right after we bought her. Even though the vet stated this was likely from getting dirty water in her ear from a bath Figo will not cover any allergy or skin issues that developed several months later. I purchased Figo when the puppy was 3-4 months old . The ear infection occurred at at 2 1/2 months. I appealed twice but will not receive coverage for skin or allergy issues. I’m mostly disappointed because the vet stated the ear Infection is not related to my dogs allergy issues. Costco usually has very good products. I think Figo found a loophole and is able to refuse coverage to save themselves money.

Honestly I have uploaded everything I was supposed to and I keep getting emails saying it is not enough (yes I provided a year of medical history). We have never had a claim in the entire year we have had this insurance, and all history was there. Our past insurance company was much easier to use and I didn't have near the hassle as this has been. I am hoping for more positive experiences in the future as I really want to be happy with this insurance as I heard good things. Just a bit frustrated.

Policies find every loophole to deny claims. Clinical and medical examination requirements are not made clear and buried in fine print end up in resulting “pre-existing conditions” to never be covered.

My claim for dental extraction was denied because of tooth decay in Cocoa vet file. Her tooth was not decayed . It was a double tooth the vet found when she was cleaning her teeth.

I’ve tried more than one time to email and call customer service to understand why my dogs claim will not be processed. I don’t get a response for 5-7 days and when I do, it’s the same generic response. No critical thought put into it. I don’t know what medical record they are looking for, or I would try to provide it. If it’s going to be this difficult to submit claims I may have to look for another company. We had Embrace for years and never went through anything like this. It is still not resolved, and seems likely that a claim for this dog will never be processed since they won’t accept the records that I have already uploaded.

You ARE impoossible to get a hold of. You are too expensive and I am cancelling effective immediately 3/15/24.

Minimal coverage. The only reason I keep the policy open is my fear of something terribly expensive happening to my dog.

No negative issues.

Reply from Figo Pet Insurance

Very confusing. Your breakdown of what is covered is confusing. I thought the breakdown is what I pay, not the maximum you'll pay in a year.