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Figo Pet Insurance Review 2022

Find a customized quote easily

Reviews 999

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Michael Graw
Michael Graw
Sep. 20, 20224 min read

FIGO summary

Figo is a pet insurance provider that offers customizable policies for dogs and cats. The free quote online allows you to choose your deductible and reimbursement rate. Figo lets you visit any licensed vet worldwide, and offers 24/7 access to veterinary professionals via the mobile app. Claims can be submitted online or via the app, and most are resolved in three days. Figo also offers optional wellness coverage for vaccines, dental, and more.

Pros

  • Customize your deductible and reimbursement rate
  • 24/7 video access to veterinary professionals via app
  • Most claims are paid in three days

Cons

  • Doesn’t pay your vet directly
  • No accident-only plan available
  • Only available for dogs and cats
FIGOat a glance
4.0

Editorial score

Online experience

Great site with learning resources

4.0

Customizable rates and services

Customizable plans and rates, 50-90% reimbursement No upper age limit

5.0

Claims payout waiting period

Days

4.0

Customer support

24/7 communication and a pet hotline available

4.0

Bundles

Multi-pet bundle OR multi-policy bundle

3.0

What Does it Cover

Figo covers accidents, illnesses, and emergency treatments for cats and dogs aged at least eight weeks old. It also covers surgeries, dental illness and injury, cancer treatment, chronic conditions, and hereditary disorders. Holistic and alternative treatments are covered, but behavioral therapy is not.

Pre-existing conditions are not normally covered by Figo. However, some curable pre-existing conditions may be covered if your pet has not experienced symptoms for 12 months since their last treatment.

Figo’s coverage allows you to visit any licensed veterinarian worldwide, including specialists or emergency clinics. All policies include 24/7 live chat and video access to veterinary professionals through the Figo mobile app.

Insurance Plans & Pricing

Figo offers a single insurance plan for dogs and cats, but you can customize your policy according to your pet’s needs.

We got a quote in August 2022 for a three-year-old Border Collie in Texas. A policy with a $100 deductible, a 70% reimbursement rate, and a $10,000 annual coverage limit was quoted at $23.51 per month. A $500 deductible, an 80% reimbursement rate, and a $10,000 coverage limit policy for that same pet was quoted at $18.60 per month. 

We also requested a quote for a two-year-old American Shorthair cat. A policy with a $250 deductible, an 80% reimbursement rate, and a $10,000 annual coverage limit was quoted at $15.23. A policy with a $100 deductible, a 90% reimbursement rate, and a $5,000 annual coverage limit was quoted at $21.18.

Keep in mind that quotes are subject to change and will differ based on location as well as your pet’s age and breed.


Figo also offers several optional add-ons, which they call Powerups. The Wellness Powerup comes with no waiting period, and includes coverage for vaccinations, spaying and neutering, bloodwork, dental, and heartworm medication. For the Border Collie above, wellness coverage was quoted at $9.50 per month for up to $135 in annual coverage or $16.50 per month for up to $250 in annual coverage.

The Veterinary Exam Fees add-on offers reimbursement for exam fees related to covered accidents and illnesses. Finally, the Extra Care Pack offers coverage for burial or cremation, a lost pet reward, vacation cancellation, boarding fees, and third-party liability.

What is Not Covered

Figo does not cover procedures related to breeding or pregnancy. Plans also do not cover behavioral therapies or most pre-existing conditions.

Waiting Periods

Figo has a one-day waiting period for accident coverage and a 14-day waiting period for illness coverage. For dogs, there is also a six-month waiting period for orthopedic coverage. This waiting period may be waived if your dog completes an orthopedic exam within the first 30 days of your policy.

Coverage Limits

Figo lets you choose between $5,000, $10,000, or unlimited annual coverage. 

Reimbursement and deductibles:

Figo offers reimbursement levels of 70%, 80%, 90%, or 100%. You can choose an annual deductible of $100, $250, $500, or $1,000. You must reach your annual deductible before your plan will pay out.

Here’s a breakdown of costs for several pet and coverage combinations. Quotes were obtained in August 2022 for pets in the state of Texas.

Pet
Annual Coverage Limit
Reimbursement Rate
Deductible
Monthly Premium
Three-year-old Border Collie
$10,000
70%
$250$18.60
Five-year-old Australian Shepherd
$10,000
80%
$100$37.13
Two-year-old American Shorthair
$10,000
80%
$100$18.70
Six-year-old American Longhair
$5,000
70%
$750$8.80

Claims and Service

Figo does not pay your vet directly, so you must pay upfront and then submit a claim for reimbursement. You can submit a claim for a covered procedure online or through the Figo mobile app. You just need to submit your bill along with the Figo claims form. Submitting a claim is very straightforward and only takes a few minutes. 

Claims support is available from 8am-5:30pm (CT) Monday-Friday by phone, email, and text message. Figo resolves most claims within three days and sends payment directly to your bank account.

What You Might Like

  • 24/7 video access to veterinary professionals via app
  • Orthopedic waiting period can be waived
  • Customizable quotes
  • Simple and fast claims process
  • No upper age limit for enrolling pets

What Figo Could do Better

  • Doesn’t cover behavioral therapies
  • Wellness add-on is pricey
  • Doesn’t pay vets directly on your behalf

Contact Details and Address

Phone (call or text): 844-738-3446 (Operating hours (all CT): Monday-Friday 7am-7pm, Saturday 8am-6pm, and text support only on Sunday 11am-3pm)

Email: support@figopetinsurance.com

Address: Figo Pet Insurance, 540 N Dearborn, Chicago, Illinois, 60654

Bottom Line

Figo is an online pet insurance provider that offers comprehensive plans for cats and dogs. You can easily customize your coverage to suit your pet’s needs and your budget. All plans include 24/7 access to veterinary professionals and add-ons are available to cover costs related to wellness and exam fees. It’s simple to file a claim online or through the Figo mobile app and most claims are paid in three days.

Methodology

This review is based on information on Figo’s website and quotes obtained using Figo’s online quote tool.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Lisa
    3 days ago
    My pooch was there and then he wasn’t!!!

    I was out in my yard with my pooch while I was watering my garden. I got distracted and then was not able to find him. A neighbor found him and saw his tag and contacted FIGO. I received a text that she found him and I was able to contact her immediately and got my dog back! Thankyou FIGO!!

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  • author
    customer
    2 days ago
    We have had this insurance for a year

    We have had this insurance for a year. They seem helpful and kind. The reason I didn’t rate them five stars is because they raised our premium significantly, despite the fact that they paid not one claim in this year. I realize my dog is a year older, but a nearly 20% increase seems like quite a significant bump.

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  • author
    quinn
    Sep 21, 2022
    Terrible customer service

    Terrible customer service. We set our account up for auto renewal. They apparently changed payment platforms which stopped us from auto-renewing within our first year of service, and let our account expire after sending us two emails (one of which told us WE HAD AUTO-RENEWED). They told us our only option was to start a new policy, which would restart our waiting periods for serious injuries. Decided to switch providers after this terrible experience.

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  • author
    Adam Rizzieri
    Sep 20, 2022
    Every excuse to NOT pay your claim

    Every excuse to NOT pay your claim. In the past, we had much better experience w/ Nationwide's pet health coverage for a pet that has since passed away. The claims department at Figo make every excuse to deny your claims. They will drag your claim out over the course of several months, suggest that you appeal an unjust denial, and then deny it again. Even the Figo phone rep agreed that their policy sets the customer up to fail and defies veterinary science. I highly recommend going with Nationwide pet coverage over Figo. We had a much better experience with them with one of our now deceased pets. Nationwide paid out claims promptly and without the painful experience that we have experienced with Figo.

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  • author
    Barry Storms
    Sep 18, 2022
    Cocoa

    Great service

    ...

  • author
    Lisa
    Sep 16, 2022
    Just renewed for a second year of Figo coverage

    We were skeptical about Figo because other pet insurance had been recommended by our vet. But we were hoping that the Costco name would mean quality. We definitely were correct--and are very happy with our Figo experience--particularly with the claims we have had to put into because of our 3.5lb pomeranian's broken leg (which definitely required specialist care). Figo has been professional and efficient and didn't even question our claims. We just renewed both of our pom's Figo policies.

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  • author
    customer
    Sep 16, 2022
    Uses preexisting for hereditary issues don’t insure with them

    My dog Teddy had kennel cough when we adopted him. He saw the vet 5 times for treatment. During that time the vet made notes on observations unrelated to the treatment. When Teddy had surgery for a French bulldog hereditary issue the company said pre existing. The insurance is useless unless your pet is involved in an accident and even then given their track record they would probably try to find a way to reject the claim. Don’t insure your pet with them

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  • author
    Roger
    Sep 16, 2022
    This is a scam

    This is a scam. This company finds every little way to say any issue has a pre-existing condition and declines to cover it. I have never dealt with an insurance company this dishonest and so apparent to enrich itself. This is not an insurance company. This is a scamming machine to swindle money out of pet owners. Please avoid.

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  • author
    customer
    Sep 15, 2022
    The one time I submitted a claim which…

    The one time I submitted a claim which is for treatment with medicine for parasitic infections I was told that you didn't cover it. I just realize that after that I forgot about using you guys. I've had multiple dog visits for all sorts of different reasons.

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  • author
    Sarah
    Sep 15, 2022
    Figo respond to claims is lighting…

    Figo respond to claims is lighting speed!

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  • author
    Reine
    Sep 13, 2022
    I pay good money for pet insurance and…

    I pay good money for pet insurance and the first time i file a claim for an illness, I am put thru the ringer to get full vet records with notes for every vet shehas ever seen. It's a case of diarrhea and I need to go backamd chase tecords for 5 years! Really#!!

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  • author
    customer
    Sep 12, 2022
    Everything was pretty smooth from claim…

    Everything was pretty smooth from claim to payment. Very easy to understand. Any questions where answered in a timely manner

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  • author
    customer
    Sep 11, 2022
    Overall very happy with Figo

    Overall very happy with Figo! I wish the monthly premiums didn’t randomly increase from year to year, and that medical grooms were covered without needing to get more and more documentation from the vet, but other than that, I am happy with my experience.

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  • author
    customer
    Sep 10, 2022
    Peace of mind

    Nothing happened. It just feels good knowing if something did, we are insured!

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  • author
    Jan
    Sep 07, 2022
    Good quality health plan

    I bought this plan for my pup because it lists good coverage and I purchased the rider for sick visits at the vet. I haven't used it yet and hope if I do need it, it lives up to Costco's quality of services.

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  • author
    customer
    Sep 07, 2022
    None of the vet bills submitted to Figo…

    None of the vet bills submitted to Figo were reimbursed.

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  • author
    Rob
    Sep 06, 2022
    This insurance has declined to apply…

    This insurance has declined to apply one penny of pet expenses to my deductible. They always seem to find a loophole to avoid. Sickening way to treat customers. I’ve recommended it to my neighbors but no more as I don’t trust them.

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  • author
    Julie
    Sep 06, 2022
    I highly recommend Figo Pet Insurance

    I highly recommend Figo Pet Insurance! I did a ton of research before I made my decision and Figo fit our needs best. 3 days after I purchased, my pup had an emergency and Figo was AMAZING with assisting me through the process. I was able to focus on getting my baby the best care, knowing that I didn't have the pressure of figuring out how I was going to afford it. The claim process and reimbursement process were flawless. I had no hesitation when it was time to renew.

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  • author
    S. Klein
    Sep 06, 2022
    I have gotten excellent service on my…

    I have gotten excellent service on my claims

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  • author
    Cindy
    Sep 06, 2022
    confusing website

    I reached out to customer service for help in navigating the website. The website is difficult to navigate: - it is hard to find the login - there are instructions to have your vet email invoices to mypetcloud, but no instructions on what happens next (that you actually need to do something further) - there are other options for the vet to email invoices, that cause claims to happen, but this not clear on the website. That said, the customer service person was helpful and got my claims processed.

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  • author
    Laura Bachmann
    Sep 05, 2022
    After 1 Year with Figo

    I picked Figo because I get 5% off through work as one of my benefits so it was the most affordable option for me. Figo has been very easy to use so far (been using for 1 year). Its easy to make a claim via the app. My claims have been processed quickly and the amount I've gotten back has been what I expected based on my coverage. I added the wellness plus to my plan and it's been worth it value-wise so far.

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  • author
    Valued Customer
    Sep 05, 2022
    Great help from the FIGO team when…

    Great help from the FIGO team when filing invoices for reimbursement. They are very helpful with timely assistance.

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  • author
    customer
    Sep 04, 2022
    Nothing gets approved so though my…

    Nothing gets approved so though my automatic payment has gone through already, I’m canceling after this year. Totally not worth it. Better off using a flex account or care credit.

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  • author
    customer
    Sep 04, 2022
    Overpriced, covered nothing

    Overpriced, covered none of our medical expenses, would never recommend.

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  • author
    A regretful customer.
    Sep 03, 2022
    Bandaids and bubble gum would serve you better.

    Our dog developed a rash on her snoot. This was unrelated and had nothing to do with the infection she had in her ear as a puppy. Did insurance cover it? No, because they classify them both as "dermatological" and therefore it must be an existing condition. The back and forth only to have our case be closed. I hate this insurance.

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  • author
    Leslie
    Sep 02, 2022
    Renewed but never feel comfortable…

    Renewed but never feel comfortable understanding what is and is not covered. Had filed a claim for a unscheduled appointment for vomiting and not eating. My claim was denied whit a simple “ not covered by your policy. Probably won’t renew again. To difficult to understand what is and is not covered

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  • author
    FIGO Customer for Years
    Sep 02, 2022
    Jury's Out

    Great marketing gets you in the door. But dealing with claims people feels like insurance. Sample FIGO communication regarding our dog's ortho waiver: "Thank you for providing this information. We have received [your dog's] completed orthopedic waiver form with the exam performed on 08/20/2021. This has been reviewed and applied to his policy. The 6-month waiting period has now been waived for the orthopedic conditions that were assessed during the 08/20/2021 exam and do not show any clinical signs or symptoms. The left front limb is excluded based on the waiver and medical records received from [your dog's] veterinarian. The waiver and medical records show outside palpation and a recommendation for radiographs. Until a further orthopedic exam and diagnostics can be run, these conditions may not be eligible for coverage as they were noted to be abnormal on the waiver and medical records. To clarify, the orthopedic waiver is not a guarantee of coverage." All that because our vet's exam notes indicated: "Outside palpation - looks OK. If further test needed recommend x-ray." The waiver form doesn't require an x-ray. And the vet's note just indicated the limits of his exam (palpation). Seems clear to me. But it wasn't to the FIGO "claims support team." So, after incurring the expense of a vet exam to get FIGO's ortho waiver form signed, we decided to just wait out the 6 month ortho exclusion period rather than jump through more hoops (and incur more expense) for the FIGO claims support team. We haven't made any claims under our policy (which we have renewed for a second year), and hopefully, we won't need to. But, based on the ortho waiver experience, I wouldn't be surprised if there are more hoops to jump through. Bottom line: Don't be fooled by the touchy feely marketing. It's insurance. So, read your policy carefully and expect FIGO claims to assert all available coverage defenses in the event of a claim.

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  • author
    NOELLE
    Aug 31, 2022
    They lie about what is covered

    I bought this because my dogs are getting older and I know I don't make enough money to pay for everything if they got really sick. I chose a plan for my older dog which included dental stuff (which I made sure it did because old dogs tend to have bad teeth), and when I had to have a dental procedure done on her, then filed the claim, it was denied. I looked back through my policy, and it should have been covered. So I contacted support asking about it and was given this very curt "screw you" type of message. I tried filing it again in the hopes that it was just a mistake and I got bad customer service, but it was declined again. So I paid over $300 for pet insurance that I couldn't even use when I needed it. Worst waste of money in a long time. Luckily, my vet was willing to work with me and did the surgery at a reasonable price. Do not work with this company. They're only here to take your money, and will not help when you need it.

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  • author
    customer
    Aug 30, 2022
    Easy to get insurance but they find…

    Easy to get insurance but they find every reason to not pay out.

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  • author
    MARIANNE
    Aug 30, 2022
    I haven' had to file a claim yet so…

    I haven' had to file a claim yet so it's hard to review the company. I am knocking off two stars for premium increases that I have not been warned about.

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  • author
    customer
    Aug 29, 2022
    Don’t sign up for the Wellness extra…

    Don’t sign up for the Wellness extra they barely pay anything out and it’s pretty much a one and done the first time you get your wellness checks during the year. Lots of lures to make it sound good but it’s a dud.

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  • author
    Dennis
    Aug 28, 2022
    I found working with Figo very easy and…

    I found working with Figo very easy and the employees very helpful and responsive. My one issue is privacy. We did not want our animals names and the city they lived in and their picture to be viewed by the public. We wanted their names and the pictures just to be viewed by Figo for identification purposes in case they were lost. With that in mind, we never posted their pictures. Other than that, everything was perfect!

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  • author
    customer
    Aug 28, 2022
    It's been a smooth process so far!

    It's been a smooth process so far!

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  • author
    Ron Jackson
    Aug 28, 2022
    Great assistance!

    My dogs Figo tag came off his collar in the field and we could not find it. Associate was very helpful and understanding in securing a replacement. Thank you again!

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  • author
    customer
    Aug 27, 2022
    Claim has been closed

    Claim has been closed. They told me that they would reopen and speak to the vet. Have not heard anything.

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  • author
    CINDY
    Aug 26, 2022
    The policy is clear and easy to use.

    The policy is clear and easy to use.

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  • author
    customer
    Aug 24, 2022
    Does not cover main needs

    We have found that our policy does not cover nearly has much as we had hoped. We have had multiple vet visits not be covered due to pre-existing, but still struggle to understand how they are related. We also had part of a surgery that was not covered, due to it being preventative, but if the surgery would be needed in an emergency it would then be covered. If our policy goes up, we will most likely cancel due to lack of coverage.

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  • author
    Robert Bluni
    Aug 24, 2022
    Too bad people insurance isn’t run like…

    Too bad people insurance isn’t run like Figo. Filed a claim and it was processed and paid within 3 days. Awesomeness.

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  • author
    Sarah
    Aug 23, 2022
    Not the Best

    Takes a bit of time for turnaround and most EVERYTHING that you send in they state is out of policy. If you have puppy or older dog, I would avoid this insurance.

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  • author
    ammar
    Aug 24, 2022
    Impossible to get a claim paid

    Impossible to get a claim paid. This insurance company is a scam. They claim pet's illness was prior to the end of the waiting period and it is not. DO NOT BUY THIS INSURANCE!!! I trusted them because of Costco and I will be complaining to Costco. They just take your premium and pay out nothing. I can't hate on them enough. One star is too much for this scam company. Edit for Figo's reply. I chatted and called, and I kept getting the same canned answer and I was pushed off to sending an email to the "appeals" department. Based on the other reviews I know that would be a colossal waste of time. Honestly, the policy has covered every possible reason not to pay claims. If my dog got hit by a car there's probably a paragraph that says: "your pet rode in a car in the last 5 years so this is pre-existing" or "the accident happened while Venus was in retrograde, and Jupiter was rising therefore the injuries are not covered". I made sure the policy won't renew in October and I'm shopping around for an ethical company that doesn't rip off its customers.

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  • author
    Dan G
    Aug 21, 2022
    Easy to use

    Easy to use. No hassles. Does what they say will do.

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  • author
    Jon S. Rockville, MD
    Aug 25, 2022
    My policy automatically renewed at more than 150% last year's premium

    My policy automatically renewed and was automatically charged. But the premium charge increased more than 50%.

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  • author
    Carl Lingelbach
    Aug 20, 2022
    Everything we heard from other pet owners about FIGO was reassuring.

    It is good to know we have FIGO as a backup. We have been in situations where it was very costly for pets' medical bills without insurance. Pet medical costs can be equivalent to human medical expenses. We haven't used our benefits yet so we will hopefully never have to find out what will be covered.

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  • author
    TeeDeeLynn
    Aug 20, 2022
    Stay Away! They Will Do Everything to Deny Your Claim and Not Pay You

    After doing a tremendous amount of research regarding pet insurance, I ultimately chose Figo because of the coverage they "purported" to provide, and because they were backed by Costco. I purchased 3 policies for 3 separate pets, one of which was for a brand new puppy we obtained from a top reputable breeder. Just prior to that puppies 1 year birthday, he came down with horrible diarrhea, lethargy and wouldn't eat. I took him to the vet who diagnosed him accordingly (nothing too serious), and provided appropriate prescriptions. I then submitted the claim to Figo. To my shock, Figo immediately rejected my claim, on the basis that the diarrhea was a "pre-existing condition." Huh?? First, how is diarrhea a "pre-existing" condition? Second, even if it was the symptom of some "pre existing" condition, what possible "pre-existing" condition could a full-bred Golden-Retriever puppy have that would cause diarrhea? I had provided all of our puppies documents, vaccine records, and medical clearances when I submitted the claim. On top of that, I provided the name and phone number of the breeder in case they had any questions. Furious with this decision, I appealed the decision. Figo responded that because I had not provided medical documents with SOAP notes, any condition my dog had within the first 12 months of the policy was considered "pre existing." I then resubmitted all of my dog's paperwork. Suddenly, it was sufficient; they reversed their appeal and applied costs to my deductible. "Ok," you say, "you got what you were entitled to." Well, the story isn't over. When I looked at the EOB to review what had been applied, it was pennies on the dollar. They didn't give me credit for 80-90% of what I paid for my dog's appointment, tests, etc. One excuse code after another. What a joke. I'd stay away. Do your research and read other reviews on Figo. I'm not alone.

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  • author
    A R
    Aug 19, 2022
    Every excuse to NOT pay your claim

    Every excuse to NOT pay your claim. In the past, we had much better experience w/ Nationwide's pet health coverage for a pet that has since passed away. The claims department at Figo make every excuse to deny your claims. They will drag your claim out over the course of several months, suggest that you appeal an unjust denial, and then deny it again. Even the Figo phone rep agreed that their policy sets the customer up to fail and defies veterinary science. I highly recommend going with Nationwide pet coverage over Figo. We had a much better experience with them with one of our now deceased pets. Nationwide paid out claims promptly and without the painful experience that we have experienced with Figo.

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  • author
    customer
    Aug 16, 2022
    Rates will dramatically increase

    My insurance at the 1 year mark went from $75 to $120. I did not need to use the insurance as of when prices increased. Pretty disappointing to see that they reel you in with an affordable rate and as soon as you pass the holding period, rates jump. They also do not offer discounts for veterinary students (or any veterinary professional). Edit: generic replies don’t get you brownie points. I already reached out and was told “it’s based on the local cost of services, not insurance usage.” I work at the pet hospital, I know prices didn’t increase during that time.

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  • author
    Laura
    Aug 14, 2022
    Great insurance

    Excellent customer service. Claims paid quickly. Website easy to use.

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  • author
    Paula
    Aug 14, 2022
    The vet was helpful in narrowing down…

    The vet was helpful in narrowing down the problem with my dog. However, I did take him to emergency against her recommendation because he was so miserable. She was right and it was his anal gland, but it had ruptured, and he needed pain relief.

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  • author
    Steve Brown
    Aug 13, 2022
    I was a novice with using pet insurance…

    I was a novice with using pet insurance for our new puppy. This means not knowing anything about pet insurance or insurance coverages. After researching insurance companies we chose FIGO and various coverages. Monthly payments were made and eventually a need for reimbursement arose. Although the amount wasn't exactly what I expected the claims were paid and an agent explained the process in full. We have renewed our annual membership and have been pleased with our coverages.

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  • author
    Long
    Aug 13, 2022
    Quick to set up, but not good

    I went with Figo to see how they compared to Nationwide. I like their direct deposit approach to paying people back. However, the claim option did not work when I tried. I had to submit my claim through email and they did not cover as much as Nationwide. I am going back to Nationwide

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  • author
    customer
    Aug 12, 2022
    Not worth it- just save for future events

    Refused future coverage for knees despite the vet giving him a clean bill of health.

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  • author
    marck sarfati
    Aug 10, 2022
    My experience with Figo has been…

    My experience with Figo has been fantastic. My rescue pooch needed a TPLO surgery just 10 months after I rescued her, They came thru on the bills with no questions asked. Excellent policy and staff to help upload the billing receipts or help with forms.

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  • author
    A. Lau
    Aug 10, 2022
    FIGO is a great insurance company

    FIGO is a great insurance company. That is a difficult statement for me to make since I have been a trial lawyer for over 40 years and have dealt with insurance companies in a variety of situations. The thing that sets FIGO apart is the quick processing and personal communication. My dog Zoey recently had what is called a TPLO surgical procedure because she tore her cruciate ligament. As soon as the surgery was completed, the various bills were sent to the insurance company. They were processed in short order without haggling or argument. While the injury, surgery and rehab were definitely not pleasant, our dealings with Figo were exceptional. Alfred L.

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  • author
    Laura
    Aug 05, 2022
    I had submitted a claim that was denied…

    I had submitted a claim that was denied and I never received a reason for it being denied. I’m not sure why I’m even paying for something and not getting any benefit in return.

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  • author
    Lisa Rasi
    Jul 31, 2022
    Overall decent

    Overall, this has been a decent policy for my pet. However, I take issue with things they say they’d cover and don’t, such as specific meds prescribed to treat issues, but because they are considered preventative meds they were denied this year. Frustrating! I also take significant issue with the policy price increase of 125% first year into year two. I expected an increase, but not that big of a jump. Overall, it gets the job done for catastrophic events, which is why I have the insurance, so for that I’m satisfied.

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  • author
    Sharon
    Jul 29, 2022
    It was Great payment was very fast

    It was Great payment was very fast

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  • author
    customer
    Jul 28, 2022
    Renewal premium increased…

    Renewal premium increased significantly. My dog is mixed breed, no health problems and no claims submitted in our first year.

    ...

  • author
    JC_dog mom
    Jul 25, 2022
    Good insurance & easy to deal with.

    I bought insurance hoping that I would never need it, but life did not work out that way. My 10 month old golden retriever had an incident where he broke his leg. On top of this stress, our region of the US had an ice storm that left vet offices closed and his surgery was postponed by over a week. Figo was so easy to work with to submit his many vet bills (surgery, follow up x-rays, and physical therapy), and the reimbursement payments came quickly. In addition to the basics of pet insurance, Figo offers messaging with veterinarians through the app which provided relief when our vets couldn't get into their offices and I had questions about how to keep my puppy calm with his injuries.

    ...

  • author
    Ann Alvey Triplett
    Jul 24, 2022
    Responsive n timely n as advertised …

    Responsive n timely n as advertised Ty

    ...

  • author
    customer
    Jul 23, 2022
    I love figo

    I love figo. I’d never had pet insurance before but after adopting my golden, I’m so glad I have it. She’s had a couple of unexpected surgeries and the claim process with Figo has been seamless. Love them!

    ...

  • author
    Kayla Schaffroth
    Jul 22, 2022
    So disappointed

    So disappointed! Totally scammy! My $750 deductible was not actually a $750 deductible. They would take out 30% of each applicable claim before applying to deductible. So instead of having to spend $750 to reach deductible, I actually had to spend more like $1000. False advertising and they know it! Would NOT recommend.

    ...

  • author
    Cavalier mom
    Jul 22, 2022
    Figo processed my claim very quickly

    Figo processed my claim very quickly and the website says how much they will reimburse me. I am a little disappointed that the percentage of reimbursement is lower than I expected.

    ...

  • author
    Stephen McLaughlin
    Jul 22, 2022
    I have had a great experience so far

    I have had a great experience so far. I’ve submitted 3 claims. Between deductible and copay, the first claim FIGO paid nothing. The second and third claims were each submitted and paid within a couple of days. I’m very satisfied.

    ...

  • author
    Jessie
    Jul 21, 2022
    Figo will deny every claim you make

    Figo will deny every claim you make as a "pre-existing" condition and make you fight to get the claim made. They scour your pet's medical records for anything even remotely related to the claim and they deny based on "pre-existing condition". Then, when you push back they will straight up lie and gaslight you. They seem to intentionally make it as difficult as possible to get a claim approved so that you'll give up. Despite my cat not showing any past symptoms or diagnosis related to claims I've made they have denied them. Then, when I point out they are wrong, they changed their story. They have given me three different reasons for denying my claim. Don't waste your money on this scam of a company.

    ...

  • author
    Judy
    Jul 17, 2022
    Seek coverage elsewhere

    Typical insurance company, Doesn’t pay for much.

    ...

  • author
    Derick
    Jul 15, 2022
    Awesome experience so far

    Awesome experience so far. Easy to submit the claim and they reimbursed me within that week.

    ...

  • author
    customer
    Jul 12, 2022
    Failure to provide coverage on an…

    Failure to provide coverage on an medical issue that isn't per-existing status.

    ...

  • author
    Patti Moody
    Jul 10, 2022
    Years ago we adopted sibling puppies

    Years ago we adopted sibling puppies. When they were 4, the brother became suddenly ill and had internal bleeding. He was finally diagnosed with cancer and died a month later. It cost us $3,000 for ER vet and surgery to determine what was wrong with him. We were heartbroken to lose a pup that young. We would have bankrupted ourselves to save him but nothing could be done. We bought FIGO insurance for his sister. The next year, she had the equivalent of a torn ACL. The surgery and care cost $6,000. I expected pushback from the insurance on some technicality. THERE WAS NONE! I paid my $750 deductible and they paid the rest! It was a great experience and our pup is fine now. Our new puppy is covered by FIGO now too.

    ...

  • author
    Laura A Lloyd
    Jul 10, 2022
    Used your 24 hr "talk to a vet "…

    Used your 24 hr "talk to a vet " hotline while travelling in April...great experience! So reassuring to have assistance in the middle of nowhere and in the middle of the night!

    ...

  • author
    Cookie’s mom
    Jul 10, 2022
    So far I’m very pleased with FIGO…

    So far I’m very pleased with FIGO insurance. I made sure I had all the vet records with vet notes submitted before the claim. It was also very easy to submit a claim with the app. I received reimbursement very quickly after I submitted a claim.

    ...

  • author
    customer
    Jul 07, 2022
    Never bothered getting back to me regarding an inaccurate claim disposition

    I submitted a claim that was not accurately processed. I emailed asking to take another look at the claim and then received this survey before anyone has bothered to get back to me regarding my claim. Very professional!

    ...

  • author
    Wilfredo arban
    Jul 07, 2022
    Fast processing of claim

    Excellent follow up and processing of claim

    ...

  • author
    customer
    Jul 06, 2022
    Never reimbursed for medical bills…

    Never reimbursed for medical bills regarding our dog....Vet states copies sent to FIGO. FIGO states never received. Vet states copies sent to FIGO. FIGO states never received. This has been a year+ ago. To date, no reimbursement ever received..

    ...

  • author
    Rob Y
    Jul 05, 2022
    Figo Pet Insurance - comes through

    Our dog was involved in a car accident. Spent 5 days in a hospital with significant associated costs. As per our policy with Figo after uploading necessary documents Figo paid their proportion of the costs quickly and without any undue hassle or stress. Pet associated medical care is as sophisticated (and costly) as humans now. The procedures involved saved out pet's life and we had peace of mind of not having to deal with an extravagant bill.

    ...

  • author
    Susan
    Jul 03, 2022
    Everyone told me to get insurance for…

    Everyone told me to get insurance for my new puppy. Since Figo is affiliated with Costco, and Costco has always been terrific, I went with them. So far my experience has been wonderful. Great customer service and prompt issuance of claims. Very satisfied!

    ...

  • author
    Leonard Jessup
    Jul 02, 2022
    So far no reimbursements.

    So far no reimbursements. Glad my dog is healthy!

    ...

  • author
    Patricia
    Jun 29, 2022
    Quick Payment!

    Quick, Simple and Easy! Love the surprise presents in the mail too.

    ...

  • author
    DSyed
    Jun 28, 2022
    This insurance did not cover our cat's…

    This insurance did not cover our cat's emergency visit and provided no explanation for declining coverage.

    ...

  • author
    Keet Leesi
    Jun 24, 2022
    Figo is the WORST

    Figo is the WORST! I thought because they were partners with COSTCO, I'd get a great policy for my puppy. They absolutely suck. Thanks for the flimsy water bowl and the dog tag, but I paid for that free crap in unpaid claims. What do they even reimburse for? Nothing. Please save your money and go elsewhere. Can't even get anyone on the phone and their chat isn't even available within the hours they claim to be available! I wasted so much money with this awful scam of a company.

    ...

  • author
    Customer Mega
    Jun 23, 2022
    I'm fairly happy with FIGO insurance for my dog

    I'm fairly happy with our FIGO insurance. They covered thousands of dollars for us in 2022 as our dog had some health issues. Two things that I do find frustrating with them: 1. Prior to a procedure, you can email them for pre-approval. However, they won't give you pre-approval saying that they cannot do that legally, but can tell you if something should or should not be covered. That's very frustrating, and difficult to make decisions. Why can't it be like human health insurance and know yes or no? This has to be improved. 2. Again after dealing with and paying for treatment/surgeries for my dog, I wanted to increase coverage - pay more annually in premium but less in the event there's an issue. FIGO won't let you increase policies. You can only decrease.

    ...

  • author
    Roe Waites
    Jun 23, 2022
    Such a scam of an insurance policy

    Finally cancelled my policy with Figo. 1 star for the sign up process and the gift tag and bowl they send you in the mail. I had Figo for a total of 7 months. (Signed up when my puppy was 3 months old) Anyway, they find every reason under the sun to deny your claim. Most recently, I got a claim denied for an ear infection because he was seen months ago for a SEPARATE dermatological issue. The first issue was a bump on his neck, and they denied the ear infection with this explanation "If Your Pet showed Clinical Signs of any Dermatological Condition prior to the end of the Waiting Period, Your Pet must be free of any Dermatological Conditions for twelve (12) consecutive monthsbefore any Dermatological Conditions may be covered again" My fault for not reading the policy in it's entirety. Learn from my mistake and choose a different provider. I was able to find another pet insurance that wont just lump things into a category. In the last year I spent 1174.72 at the vet, and Figo paid out 72.90 LOL. Mind you my deductible was $250 and I paid extra for the wellness ride that covers some vaccinations which is what they paid out. I paid in total 88 per month for 7 months. The math says: FIGO IS A WASTE OF MONEY. COMPLETELY USELESS.

    ...

  • author
    Casey Sullivan
    Jun 21, 2022
    Totally worthless policy

    Totally worthless policy. Figo has refused *every single claim* we submitted over the past year. You might as well set your money on fire.

    ...

  • author
    customer
    Jun 18, 2022
    WTH, why did you raise the price by 65% without even notifying???

    WTH, why did you raise the price by 65% without even notifying???

    ...

  • author
    customer
    Jun 18, 2022
    Claim process is fast but the coverage…

    Claim process is fast but the coverage has decreased a lot and the prices keep increasing

    ...

  • author
    customer
    Jun 18, 2022
    Thank you for handling my claim so well

    Thank you for handling my claim so well

    ...

  • author
    Callina
    Jun 16, 2022
    Affordable Coverage, Great Customer Care

    Figo has given me comprehensive and affordable insurance for my dog. Using the app is simple, and is a fun place to create community.

    ...

  • author
    customer
    Jun 14, 2022
    I’m giving 4 stars only because I’ve…

    I’m giving 4 stars only because I’ve never had to use the coverage as of yet.

    ...

  • author
    customer
    Jun 13, 2022
    Never paid any claims and cant cancel

    Never paid any claims, Wouldn't cancel when I tried, still trying to cancel and they keep charging my credit card, would never use again worthless insurance.

    ...

  • author
    Ram
    Jun 12, 2022
    Claims have never been successful

    Claims have never been successful

    ...

  • author
    Cathy
    Jun 11, 2022
    Within two days of receiving claim it…

    Within two days of receiving claim it was processed! So fast it was great. Wish it covered a bit more.

    ...

  • author
    William
    Jun 10, 2022
    If I could give 0 stars I would

    If I could give 0 stars I would. I cancelled my pet insurance and was told it takes 3-5 business days to get a refund. As of today, the 10th business day I still have not received a refund. I have emailed, phoned and texted and always get the same answer: " our accounting team is trying to catch up and you will receive your refund in the order it was received". When does a companies problem become my problem? With a good company it does not. Beware of this company.

    ...

  • author
    customer
    Jun 08, 2022
    I haven't used my insurance yet and I…

    I haven't used my insurance yet and I am thankful that I haven't needed to use it. I do like the app and the coverage that it provides.

    ...

  • author
    Mike Engle
    Jun 07, 2022
    We have been fortunate not to have to…

    We have been fortunate not to have to use our insurance in any significant way so I can't really give a relevant review.

    ...

  • author
    customer
    Jun 06, 2022
    it's nice to have but too expensive

    it's nice to have but too expensive, we are canceling

    ...

  • author
    Christina
    Jun 04, 2022
    Best investment ever!

    Best investment ever!! My dog got very sick, and we had to take him in for x-rays and tests. He was put on medication for seven days. We submitted the bill that night and the next day, we received a notification that our account was being reimbursed for almost half the cost of our vet bill, and our Sir recovered fully within three weeks.

    ...

  • author
    Melanie
    May 31, 2022
    Hands down - BEST pet insurance - compassionate team and easy to submit claims..

    I have used Figo Pet Insurance for several years now. My previous dog had some serious health issues - and I added insurance too late to cover many of them, but some new ones came up that were covered, no questions asked by Figo. It was super easy to make a claim and get money back on expenses and procedures. When my dog unfortunately passed away, I chatted with an agent a couple of weeks later when I realized I was still paying for insurance and they backdated my account to the date I lost my pup and refunded money to me. They were so compassionate and willing to help. When we adopted our new dog last year, applying for Figo Pet Insurance was the first thing we did. It makes me feel a huge sigh of relief knowing we have it for whatever may come our way!

    ...

  • author
    Cary
    May 30, 2022
    Great customer service and…

    Great customer service and communication! Investigate claims in a timely manner and let you know where things stand throughout the process.

    ...

  • author
    Dawn Shicoff
    May 28, 2022
    Great pet insurance!!!

    Have never had to fight them for something to be covered....they were always fair and quick in confirming any claims! I have 9 cats and a dog with them! Would recommend highly!!!

    ...

  • author
    Bulasmom
    May 27, 2022
    New puppy, new insurance!

    Well, after dropping my last pet insurance I was a little gun shy. I realize that everything is not covered, yet after paying for several years, I received no monies for anything. I searched the Internet and found out about Figo. Since I just got a puppy, I decided to change companies. Well, if responding quickly to questions was an Olympic sport, Figo would win the gold medal. They quickly respond, either through email or text. I also received notification about my claim quickly. If you are interested in obtaining a pet insurance and are a member of Costco, pull the trigger and give them a chance. Costco is currently offering a discount.

    ...

  • author
    WA
    May 27, 2022
    Took less than 1 hour to close the…

    Took less than 1 hour to close the claim, very happy with Figo.

    ...

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