Figo Pet Insurance Reviews 

I’ve had figo for approximately 9’years now. They have allowed for me to provide outstanding care in supporting my dog through his battles with irritable bowel disease, behavior issues and more. Because of figo, we’ve been able to work with a team of vet experts (nutrition, internal medicine, vet behaviorist) to provide him a quality of life that would not have otherwise been possible. While I wish I didn’t need to see the vet as much as we do, I am eternally grateful to figo for being there to support us every step of the way.

Claim process was easy, FIGO reviewed the claims promptly and payment was also very prompt.

TOTAL SCAM! Horrible service- look elsewhere. They rarely pay out on claims, if they do its a very small amount and oftentimes find reasons to not count payments towards your deductible. My dog has IVDD and this insurance policy (Secured when he was a puppy long before any problems) has been next to useless. I have wasted thousands paying on this policy monthly that they have DOUBLED since he started having medical issues.

Also, I work in the field of online reputation and it's so blatantly obvious which reviews on this site are "fed" i.e, they specifically invite the few who have good experiences via email to write a review. Don't trust those, and notice how they only reply to /address positive reviews.

Figo has been an absolute life saver. My dog is my life. And I vowed that I would never be put in a situation that I couldn't save my dogs life due to money. Figo made that possible. Figo has made giving my dog the most excellent care possible. They are fast, efficient and most of all. Care. I have been with them going on 4 years. They gave me the ability to give my dog life saving care and not go into financial ruin. I can walk through life knowing Figo will save me/ my dog, need be. I refer them to everyone and always will. Stella and I couldn't be more thankful for Figo. I cannot say enough good things about this company. From coverage, to reimbursement, to freedom of choosing specialists ect. 10000/10.

This company discourages claims. Does not pay claims. They want six months of records from your veterinarian even when your pet is not yet six months old! How do you manage that? My veterinarians are busy enough without Figo bothering them, for goodness sake!

I’ve been paying for insurance for my animals for 17 years.
I’m so grateful that your company is really helping me out through this hard time.
With my dog Maverick and his condition it gives me hope that he will live a few more years.
The doctor gives him three months with his cancer.
Having your company gives me hope that he will live a lot longer.
Thank you

Terrible service by adjuster’s that don’t know what tgey are doing. My dogs get allergy shots every month one goes through and the other one by another adjusters needs more information (dumb) a shot.
Get better help and managers never call back.

Great coverage. Fast settlement. Easy, clear website.

Figo is always prompt and courteous when responding to claims!

I was with another pet insurance company for about two years. I'm so glad I made the switch to Figo. Within 3 months of switching to Figo, my poor dog was diagnosed with a health issue which came out of no where. Figo's claim process is convenient and effortless. They make process smooth and without any headaches. Their CSR's are also helpful in explaining coverage. I was overwhelmed and still in shock of my dog's diagnosis but the claim process helped ease my mind a bit. Thank you, Figo!

Quick to Process Claims of low or high dollar amounts, Responsive Customer Service. Easy to work with overall.

I've used Figo pet insurance since we got both of our fur babies as puppies in the Spring of 2018. They provide great coverage options, quick service, and quick turnaround times for claim payments. Any time we've ever had a question, they have been prompt to respond and fully answered any questions or concerns. They were very kind when we had to put one of our fur babies down in February of this year. I highly recommend them to anyone considering pet insurance.

Figo has taken the stress portion away from all of our illness trips to the vet with our Sable. She’s had multiple issues with allergies, hurt paws, and infections so having the piece of mind that those appointments aren’t completely out of pocket makes it completely worth having.

Easy submission & quick reimbursement!

Conditions like bacterial infection of cats can happen over time. Figo straight up denied claims for simple things as pre-existing conditions. Not worth keeping the insurance.

The good thing was that cancellation was easy.

Figo has been great with our adopted dog. It’s easy to file claims and they review them quickly and reimburse quickly. My dog had a major accident and I worried they wouldn’t cover her but they covered 90%! I have been recommending Figo to everyone!

Reviewed our insurance coverage and was sent reimbursement without delay.
Make sure you send your information without delay as I waited too long and it was beyond the date of reimbursement.

Figo has been exceptional as my pet insurance. I’ve had Figo since I’ve had my dog and very happy that I did for peace of mind. We unfortunately had a several emergency room visits and the claims process with Figo was extremely easy and efficient. I was able to follow the status of the claims on the app and get answers to any questions very easily talking with customer service. I would recommend Figo to any pet parent.

High Premiums & Crazy Hike at Renewal

Figo increased my premiums by 40% and 31%. Now over $310/mo for two healthy dogs.

I have been with Figo since 2021. I renewed my policies for a new zip code in March 2025 for a 5yr 2mo old dog and a 7yr 3mo dog. The monthly premiums increased less than $10 per policy due to a new zipcode to $118/mo and $114/mo for each dog respectively ($232/mo total). That’s fine. However, upon autorenewal in May 2025 (only 2 months later) Figo is now increasing the premiums to $165 and $149 per month citing age, breed, and zip code. There was no change in zipcode since the March renewal, no change in breed (obviously), so the only cited reason by Figo that did actually change is age... By two months! How on earth do they justify a 40% and 31% increase in cost for a 2 month increase in age!?

These are two healthy dogs / breeds with no persistent health issues and who are not particularly old. I understand Figo has the right to increase premiums by whatever amount they desire, however their cited reason does not make sense to me.

Only reason they get two stars and not one is because they paid claims when I submitted and did not scam me. However, we will be cancelling because nearly $4,000 a year is absurd and I am afraid of how much they will jack up the price next time if we stay.

Honestly, the insurance is probably not worth it in my opinion. Even though I have filed claims I am probably still in the red given the premiums I have paid since 2021. In my opinion the only benefit is you can essentially spread the cost of a surprise / emergency vet bill over time but you are absolutely paying for that privilege. If you can afford an emergency vet bill once in a blue moon, I advise skipping the insurance.

Our dog, four years old, has always been healthy. In December, he contracted a strange cough. Took him to our vet twice. He was diagnosed with allergies (it was most likely kennel cough). This incorrect diagnosis and improper medication made it worse. Long story short; due to a bad diagnosis, our dog ended up with pneumonia. We contacted the 24 hour vet line and the Figo vet instructed us to rush him to the ER. He was in the hospital for six days, on a ventilator for two. We have never had to use our pet insurance before. Thank goodness for it. The bill was huge. With two days of submitting all receipts, the money was deposited into our account. I feel sorry for those who have to make the horrible decision to let their pet go because of how expensive emergency care can be. He is now five years old, back to near 95% after his severe pneumonia, thanks to Figo insurance.