Figo Pet Insurance Reviews 

Figo is easy and the PetCloud makes everything a snap.

We found the process of submitting claims easy and the quick response quite timely. Also, the understanding of the situation at the end was caring and helpful.

Second year of having FIGO and I must say I am very satisfied with my policy. The claims take approximately 2 weeks to process and the coverage is great.

I unfortunately had to file many claims recently. The process of filing claims is simple. When more information was needed, it was clear and concise. I have spoken to reps on the phone and they were polite and answered my questions. Reimbursements were done in a timely manner. I am very pleased with Figo. It's not something I had hope to use, but happy that the process was simple and allowed me to provide care of our dog. She's a 8yo GSD and had a severe injury to her front leg (extreme carpal hyperextension) and then 3 months later had a emergency splenectomy and diagnosed with cancer (HSA). Having Figo has allowed us to provide care to give her a longer quality of life.

I've been so pleased with the coverage we bought, especially since I'd never had pet insurance before getting Scout and wasn't really sure what to expect. It's really easy to upload receipts and open a claim. We've had no problems or issues at all since buying our first Figo policy. She's had a few injuries and health hiccups here and there, and Figo has helped immensely with making sure we can get her the care she needs.

They seriously don’t cover anything that they have the right to deem is at all related to a “past illness”. Like if there is a tooth issue once they don’t cover a tooth issue 3 years later?? That is completely unrelated. Another ridiculous insurance company.

I have had this insurance for my 2 dogs for about 3 years. my Bernese Mountain dog had 2 CCL surgeries back to back last year and Figo was so easy to work with and file a claim. We had no issues at all. Then my Bernese was struck with a rare, aggressive cancer and we lost her 2 weeks ago. Figo not only paid for all our claims but also sent a lovely sympathy note when I reached out to cancel her policy.

Reimbursement is quick and convenient. It's so nice to have good dog insurance and it's reasonable especially since it's more affordable then our insurance it's terrible. Thank you for being their for our fur babies. ❤️ Kimberlee Ann & Blaine Boyd

The policy documents are misleading and over state what's covered - for instance vaccines say $50 for all the basic vaccines "per incident". This means if you're like most people and have your dog vaccinated for a few things in one visit, they only pay the $50 once and not for each vaccine. This is one example of many. They are super shady.

Horrible experience. First of all, my policy states that I have a “$500” deductible and am reimbursed 70% AFTER the deductible has been met. However, what Figo fails to mention is that if the first appointment is greater than $500, they remove the deductible after the 70% reimbursement has been applied - essentially making the deductible 30% more than they state (unlike all other Pet Insurances I’ve come across as well as how the average Health Insurance is applied - I work for Medicare so I am well aware how human health insurance works). So in all, if using Figo, be aware that the deductible is much higher and in my case, $650 rather than $500!

(For reference, spoke to Insurance Agent License: 4431168)

We have had Figo for our Havanese Poodle mix since we got him as a pup. We had never had to make a claim until our dog Asher, now age 7, suddenly developed a scary autoimmune disease that caused his platelets to plummet (ITP). Asher had to be hospitalized for several days and needed a blood transfusion and various other medical procedures. The hospital bill for him was significant and so we filed our first set of claims, hoping Figo would come through. We have been so happy with their service! They covered substantial portions of the claims in a timely fashion. Once the claim is processed, the money is deposited right into our accounts. We are so grateful that we chose Figo when Asher was a puppy. It has given us tremendous peace of mind knowing that we were able to do everything possible to save his life. I’m happy to report that Asher is being weaned off of his meds and is doing very well. Figo continues to cover the ongoing costs.

Predatory-their caps on reimbursement for well checks are ridiculously low and well visits do not apply towards deductible. Ripoff

Claim turnaround time is longer than usual lately. Filed claim with RX number on receipt and sent photo of label. Figo is requesting more paperwork! This is ridiculous. Hire English speaking reps who are knowledgeable. Service has gone downhill & premiums are higher than ever.
A unsatisfied long-time customer.

Wonderful pet insurance. No hassle. Trustworthy. My pets thank you.

I am kept up to date with claims and if i have questions they are addressed quickly

Very disappointed with Figo.
I purchased insurance for my pets expecting reliable support, but instead I’ve faced constant refusals and shifting explanations.
1. First denial: I was told that “the first month isn’t covered,” even though this was never clearly communicated at the time of purchase.
2. Second denial: They claimed that because my cat is not spayed, any health issue is automatically considered a consequence of that.
3. After that: Every single claim has been dismissed as a “pre‑existing condition,” regardless of the situation.
The most absurd case was when my cat jumped off the couch, twisted her leg, and her paw became swollen. A simple injury that needed attention. Pet Claude refused the claim, stating that she “has cancer and they won’t cover it.”
My cat has never been diagnosed with cancer. This was just another excuse not to provide coverage.
This company seems focused on avoiding payouts rather than helping pets and their owners. Constant denials, contradictory explanations, and a complete lack of accountability. I do not recommend Figo.

I’ve had my poodle for 7 years now and I used to be a Trupanion customer. After switching to Figo I can say that the service and claims process is much much better than its competitors. Because of Figo I don’t have to constantly worry whether a veterinary emergency or procedure will set me back financially. Figo is a top quality insurer and I recommend them to anyone who needs to cover vet bills. They can be a bit on the pricier side but you definitely get what you pay for.

Key Features:

- Full cloud support to store policy documents and anything you’d like to add
- Dedicated email address
- Easy claims process that can be completed with just a few clicks
- Social profiles to connect with other pet owners and post pet photos and microchip info
- Claims process you can track from start to finish
- Partnered with Costco

They paid 5% of an emergency claim where the policy says 70%. We wasted our money on this policy and were deceived by what they said they would cover. Despite trying to appeal, we were told the claim was closed and recourse was not available. Terrible customer service and claims experience.

Paid heavy premiums for both of my dogs. Every claim I had went wrong. I had to take time from my day to clarify call veterinarian to get documentation that I felt like it was there job. They denied a large claim stating it was in the 6month waiting period even though I was paying the premiums and wasn’t aware of the waiting period. Very deceitful to say the least. Wasted money with this unworthy company and time. I wouldn’t recommend this dog insurance company to anyone.