First of all, DO NOT BUY PET INSURANCE. Pure waste of money. Open a savings account and put the premium in it to save up for the "bad times". Used 2 ins companies, first one quietly increased our premium due to "age" with very little communication, burying the notification in a routine annual renewal email. Second company, Figo, paid for little bills (applied to deductible, so almost nothing paid out) as our dog's health declined, then denied an x-ray related claim due to pre-existing condition, heart murmur. X-ray was NOT done to check on her heart, but to determine a NEW coughing issue. Because vet prescribed heart murmur meds, it was deemed pre-existing and denied. Appealed denial, they claim they did not get the email (it was sent, no error message received). Dog's health continued to decline, we sadly had her euthanized. Euthanasia claim denied due to pre-existing condition causing health decline, stating she had heart, tumor and cough issues in 2024. NONE of those were related to any of her 2025 issues. We'll appeal that as well, but I see how the process works now and have very little hope of any reversals. Please, save yourself the hassle and headache and open a savings account, and avoid the pet ins scam.

They charge almost $40 a month and don’t cover a dime for any vet visit even though it should be covered. They are such a scam do not get them!

I just signed up today. There was a monthly fee quoted, which I am fine with. However, when I submitted my first payment, there was an additional $15 "enrollment fee" added. I didn't see anything on the website that indicated that there was going to be an additional fee charged. If this fee had been clearly listed, I wouldn't have had an issue. But tacking on an additional fee is dishonest. FIGO refused to credit this fee back to me. I'm considering canceling my enrollment, since I no longer have confidence in FIGO's honesty.

The reason I want to cancel my pets insurance because I don’t think Figo is suitable and helpful for our pets at all. Compare to my monthly payment your reimbursement for our vet bill is ridiculously low. I have been paying $ 123.87 per month my pets insurance which is 90% reimbursement plan for many years. For Lucy $ 47.49/ month x 1 year = 569.88 For Sima $ 76.38/ month x 1 year = 916.56 It is $1486.44 per year. What has Figo been reimbursed me back for annual check up, vaccine, medications and also illness? For annual check up and vaccination, $ 40 for each pet while the bill was around $ 200 for each. Recently Lucy had an emergency vet visit for urinary infection, the bill was $410. I filed a claim. Figo agent asked for records to check if it was preexisting condition. Figo gave me back $ 67.38. Figo reimbursement is a joke, matter of fact it’s more like a scam to me. This is a waste of time and money. I could have saved the monthly payment and paid for my pets bills without frustrating. I have learned my lesson.

THEY ONLY PAID $5 for a submitted claim for $1467. FIGO agreed $1293 was eligible. Policy for $10,000 max annually, $900 deductible, then 70% coverage. $1293 - $900 deductible = $393. $393 remaining times 70% = $275 to be paid by FIGO. Insured pays $900 deductible and remaining balance $118. ONLY WAS PAID $5. WHAT A SCAM

Insurance SUCKS And Is Only a Win For The Company! The Ultimate Plan Is Garbage! I Don’t Know If Any Of The Plans Cover Vet Visits. I Am Very Close To Dropping This Plan 5 Months Early. Just Submitted a Vet Visit Claim But Pretty Sure, Nothing Will Be Covered If Any. And My Monthly Payment Is $124. Time To Do Serious Homework For a Better Plan. I Just Paid $242.51 And If Nothing Gets Covered, I Will Drop Them. The Best Plans Are Those That Cover Vet Visits. BANFIELD Is a Good Supplement With This Plan But This Plan Is Expensive. However, They Will Cover Illness/Injury Up To $1,000,000 But After You Pay Out An Initial $500. If Your Pet Is Seeing a Vet Weekly Or Even Monthly, You Need Insurance That Covers The Vet Visits. Do Your Homework. I Might Keep This But Will Have To Add The BANFIELD Plan To It Till This Expires. They Do Have Added Vet Coverage For An Additional $30 Or So But You Have To Wait For Enrollment. I’m Just Mad That When I Purchased It, They Did Not Tell Me My Vet Visits Were Not Covered. My Main Concern Regarding This Plan Is Their Awful Lack Of Paying Claims! Obviously, They Don’t Care About The Pets Or The Customer. They Only Care About The Money. That’s Fine, Cause Like I Said, I’m Done If My Claim Is Not Covered In Some Way. I Just Wish I Had Searched Reviews On Trust Pilot. Their Reviews Are God Awful! When You See That, A Picture SPEAKS A THOUSAND WORDS! AVOID AT ALL COST! You Are Better Off Just Opening A High Yield Savings Account For Your Pets Vet Bills Rather Than These Crooks!

"Feeling really let down by @FigoPet insurance. We chose them, especially as a Costco member, for peace of mind. But now, after my puppy Shadow's accident (ran into a wall on 7/18), they're denying coverage by labeling it an orthopedic injury (30 day wait) instead of a simple accident (1-day wait). I am appealing this misclassification, expecting it to be re-opened as an accident. Update: 8.18.25 - My appeal was denied. Figo wont pay anything towards my $720 claim. Apparently anything other than a broken bone doesn't qualify as an orthopedic accident and is subject to the 30 day waiting period. From their reply to my appeal: "Orthopedic conditions, with the exception of broken bones only, are considered Orthopedic Illnesses under this policy." So, if your pup runs into a wall or falls, trips or has some other form of accident and is screaming and limping and you decide to take him/her to an emergency vet... Unless it is a broken bone Figo won't pay for the vet visit, diagnostic x-rays or pain medication. I will be dropping my Figo policy immediately. I suggest that you stay away from this poor quality & misleading insurance coverage.

Good luck getting them to pay a claim! I've spent a lot of time on the phone with them, just to have them deny an $1100 claim the should be covered. They claim it was pre-existing. They started contacting vets that we haven't been to in 5 years to come up with a way to deny the claim. They even completely overlooked the enlarged heart and heart murmur. My best advise is to avoid the hassle and steer clear on them.

Filing a claim is very easy! Which is great because it means I’ve wasted little time getting my claim denied. At this point I just file to see if I can get even $0.05 out of them. I don’t, but I’m locked in for another year. Seriously, don’t bother with the company. All the add-ons and things sound nice but they will delay, deny, defend. Your pet being alive is a pre-existing condition. If you are stuck in a contract, use that time to build up funds in an HSA or high yield savings account. At least that way you know you have a real backup plan.

I year after I purchased my policy, my dog was diagnosed with IVDD and required surgery. Figo approved and reimbursed physical therapy, acupuncture and x-rays related to the suspected IVDD/ neurological condition- which would indicate to anyone that this is approved. They then denied expensive MRI and surgery (Totaling almost $13,000) as they said it was a preexisting condition. They have run me around requiring more information from my vet, signed letters from the surgeon, the list goes on. I have now had to appeal the claim - yet they will not provide an exact reason for denial until after the appeal is closed. THE MOST ETHICAL COMPANY IVE EVER DEALT WITH. Not to mention they customer service is a joke. Telling me they would personally track my claim, only to never respond and tell me later they were out on PTO while they were supposed to be handling my paperwork that was requested to be received urgently from my vet.