Figo Pet Insurance Avis 2 271

Figo claims process was very simple to submit a claim, it a very smooth and quick process in getting my claims completed in a timely manner. I’m very pleased and satisfied with the service.

The process of registering our Samoyed puppies with Figo Pet Insurance was extremely easy. As expected, enrollment is very smooth—they are clearly set up to make purchasing insurance simple and efficient. Our premium was approximately $300 per month for both puppies, which we felt was reasonable given their value and status as show dogs.

After enrollment, there was a standard waiting period of about two weeks before coverage became active. This is when the issues began.

Our puppies were only 10 weeks old at the time—very healthy, well-bred show dogs receiving excellent care. During a routine check, we found a tick. Although it was not embedded, we acted cautiously due to their status and had them evaluated. The tick itself tested positive for Lyme disease (not the puppy). Based on veterinary guidance and out of an abundance of caution, we proceeded with a two-week course of doxycycline.

We submitted a claim, and initially, the process seemed straightforward. However, when I followed up two weeks later, I was informed that claims processing takes 6 to 8 weeks, which I was told is standard for the company.

This is where the concern lies.

When you are paying over $300 per month, you expect timely support—especially in situations that could escalate. Veterinary emergencies can range anywhere from $1,000 to over $20,000. Many families do not have immediate access to that level of cash. A reimbursement model that takes 6–8 weeks creates significant financial strain and risk.

Fortunately, we have the resources to cover unexpected costs, but many pet owners do not. In a true emergency, waiting weeks for reimbursement is simply not practical.

For this reason, I strongly encourage anyone with high-value or show dogs to carefully evaluate their insurance options. We ultimately considered switching to Trupanion. While it is more expensive (our premium increased to approximately $650 per month for 90% coverage with a $200 deductible), their model is fundamentally different. In many cases, they can pay the veterinarian directly at the time of service, which eliminates the need for large out-of-pocket expenses upfront.

Bottom line:
Figo Pet Insurance is easy to enroll in and competitively priced, but the extended claims processing time is a significant drawback—particularly for owners of high-end or show dogs where rapid access to care and financial flexibility are critical.

Before choosing pet insurance, take the time to understand not just the cost, but how and when claims are actually paid. It can make a major difference when it matters most.

I am so happy that I chose Figo pet insurance for my three dogs. I never had Insurance before but decided to get it when my oldest dog turned 10. Right after getting the insurance, he tore his ACL and had to have surgery. Just recently, he toured the other ACL. Almost $20,000 in medical bills. Figo went out of their way to make sure my dog had coverage, even though there was a 6-month wait for orthopedics. He tore his first ACL after having the insurance just for a month. They worked hard to get him approved. I'm so happy with Figo.
Their customer service is top notch. Always friendly and helpful.
I had a couple of claims that were denied but I was allowed to appeal.
I don't know what we would have done without Figo

I wish I read reviews before signing up with Figo through Costco (I will be submitting this review through Costco customer service directly, they need to drop Figo ASAP). You'll be lucky to get anything paid out. My pup has had a rough few months with a sudden illness, hospital stay, and a number of follow-up visits and medications. Figo finds ANY unrelated reason to not pay out your claim. I am considering hiring an attorney to go after them at this point. Absolutely and total disaster of a company.

I have 3 dogs and have been with Figo via Costco for over a year. In order to register a pet, you must send in the last vet visit note including physical exam before they approve the pet insurance. I filed a claim last week and they put the claim on hold asking for the initial vet visit for this dog-WHICH THEY ALREADY HAVE! I had to call the vet and waste their time and also mine. Do NOT use this insurance. Try Lemonade instead as my family members use them and NEVER get hassled like this.

The first product or service I've purchased through Costco that I regretted. I'll be contacting Costco to let them know what a disappointment it is to be associated with this company. My claim was denied because of a "pre-existing" condition that I wasn't aware of. After years of paying for pet insurance, the first time I actually needed coverage it was denied. These companies are happy when you're paying your premiums but turn their backs on you when it's time for money to be paid back. The one time I actually tried to use this insurance they failed me. Avoid at all costs.

Took too many inquiries to reimburse claim. This was a simple yearly visit. Im not sure the cost of this insurance is advantageous for me to continue paying. Still deciding if I should continue coverage due to high montly premiums.

Get Figo! They were transparent, easy-to-reach, and they covered exactly what they said they would

Figo is amazing, my two furry feline girls are seniors , and beginning last year, it has been
difficult for both, vet bills are very high and
One of my girls has a "team" of vets Figo has been very supportive and the majority of the bills have been well covered .

I always tell friends and clients(i am pet sitter) that pet insurance is extremely important i always recommend Figo

I'm canceling my policy. I started a Figo pet insurance policy in May of 2023 and got a discount using my Costco membership. Very disappointed with the very poor coverage made even worse by the expensive and ever increasing monthly premiums. We have submitted a grand total of 6 claims in 3 years. The claims were for visits costing us $1,443. We got a total of $302 reimbursed which is about 21% of the $1,443. In one year the premium went up 21%, and the next year it went up a very reasonable 3%, but this year it's going up over 10%. A total increase of over 37% in 3 years is far too much for far too little coverage. I gave it 2 stars instead of one for the ease of submitting claims electronically.

I have had dogs & cats all my life and never had insurance before. I felt very comfortable going thru Costco to get Figo cause of their reputation. Figo has treated me and my pets amazing prompt and any questions immediately respond and payment in my account fast. Thank you!

We purchased Figo pet insurance using our Costco benefit and highly recommend them. Figo has had our back throughout our dog's life! They are super responsive and always helpful when I have questions regarding our policy! They honor their policies and are usually quick to process our claims. We have been very happy with them :)

This company is a complete scam. I submitted 3 claims that clearly show the itemized costs that I paid at the vet. They said that my claims didn’t show an itemized receipt so they denied my claim 3 times !!! The items are clearly stated so this is when I knew this business was a huge scam! Do not trust them! I will be telling everyone to avoid this insurance company at all costs !

We've been paying Figo for 4.5 years to insure our 2 dogs. No claims filed until one of our dogs needed to have 4 teeth extracted. Claim denied because of "pre-existing" even though the vet wrote a letter saying the condition started AFTER we signed up for coverage. Appealed to no avail. Why spend thousands on insuring your dogs to get peace of mind, and then find out you're denied and exposed when you need it most? It's like we just threw thousands of dollars at Figo for absolutely nothing – all claims denied, no peace of mind. We got zero value out of Figo. Really disappointed as I'd signed up through Costco, which supposedly vets vendors for quality. Check out their BBB reviews before buying Figo.

I have insured 2 dogs with Figo. It is really easy to submit claims. They are reasonable and esponsive. I will use them again when I get another pet

Filing claims has never been easier! This company has great customer support and fast efficient service, whether you are working with them online or on the phone. I’m really happy with my choice.

Customer service representatives have always been extremely helpful since the very beginning when they assisted me in selecting the best plan for our 2 dogs. Recently our 10yo had TPLO surgery and is currently receiving rehab. The process to submit a claim takes less than 5 minutes and the claims are reviewed, accepted and paid in a timely manner. No issues with the claims, all have been paid as outlined in our policy.

I sent the invoices to Figo the next day they were approved three days later I received my checks.

Most things that I needed were not covered. So by the time I paid the premium and the cost of the service I basically broke even which saved me $0 hence rendering the insurance useless.