Figo Pet Insurance レビュー 

I’ve had an excellent experience with FIGO Pet Insurance. The service has been outstanding — I submitted my reimbursement request and received my payment back much faster than I expected. The process was easy and smooth, and the pricing is very reasonable for the coverage you get. I highly recommend FIGO for anyone looking for reliable and efficient pet insurance.

If you’re thinking about getting pet insurance through Figo, I’m begging you to hear my story first. I took out a policy with them in September for both of our miniature schnauzers. One of them had been dealing with allergies, and I wanted to make sure we were doing everything we could to keep him healthy and protected.

Then, out of nowhere, our sweet dog was diagnosed in November with a rare and devastating form of cancer—something we never could have prepared for. It was a shock, and all we wanted was to get him the care he needed. But when we filed our claims with Figo, hoping the insurance we’d been faithfully paying for would help, they denied every single one. They labeled everything as “pre-existing,” even though the cancer was diagnosed months after our policy began and confirmed by our veterinarian. It felt like they were looking for any excuse to say no.

Because of those denials, the costs piled up quickly. We did everything we could for him, and thankfully we were able to cover the bills—but I kept thinking about families who couldn’t. No one should ever have to choose between paying their bills and saving their pet’s life.

The hardest part came when our beloved dog lost his battle with cancer. In the middle of grieving, I submitted a claim for his final expenses, hoping at the very least they would honor that. They denied it too. That last denial was like a final blow.

Figo has been the most disappointing and heartbreaking insurance experience I’ve ever had. My hope in sharing this is simple: to spare someone else from going through what we did. If your pet is sick or suddenly faces something serious, you need an insurance company that will stand by you—not one that turns away when you need them most.

Their claim processing is fine but their customer service is terrible. Twice I have reached out to them inquiring about very specific coverages on my policy and all we received were boiler plate answers to refer to our policy coverage paperwork. Duh! That’s why I reached out to them to explain what is covered and what isn’t. I’m not a lawyer and only asked for specifics before procedures were to be done. They answered both times to have the procedures done and then submit a claim to see if they provide coverage. Not professional is any way.

Very easy to deal with FIGO. The app is user friendly and the reimbursement is true to the contract. I've been with them for over a year, and I still love them!

I couldn’t be happier with this pet insurance. I’ve had several others and had to wait forever for claims to be paid, but Fego is great! We’ve had issues with our daschund for the last six months and it has saved us so much money. Very happy to recommend this to everyone I talked to!

DO NOT GET. A waste of money INSANITY. My wife and I got a new kitten and purchased the insurance. We waiting for it to be active before his very FIRST visit. He had what seemed like a hairball and we brought him ; the vet say may be respiratory. Now without ever bringing him anywhere a brand new pet how do you know any previous history he’s a baby too??? Yet they said it’s preexisting when JUST diagnosed. I appealed the denial of coverage and it has been MONTHS back and forth saying still under review in process but I will have an answer December 1st definitely. I call them December 3rd to be told there has never been an appeal… I was on the phone with them for So long they could’ve told me that all the other times instead of giving me a LIE it’s been in the process.. multiple times put on hold to be hung up on or sent to a voicemail. If you ask to speak to any other department about your case they say there is no one they speak on your behalf. You request a supervisor you’re put on hold and hung up on. They send you in circles lie to you don’t cover anything you pay for just take your money. THE WORST. Better off paying the expensive bills out of pocket cause you’re giving away money to them to do nothing anyway. We paid for premium plan too and nothing has been covered. Everything you bring your pet in for too you must always send a claim and await if it’s covered.

I never had pet insurance before and never thought it would be necessary! As my dog was healthy and started aging a bit, I checked some different pet insurances and Figo review was outstanding compared to other insurances. Also when Costco is working with you, that means you are the best. Anyway, my dog started being sick months after I enroll and I started claiming medical expenses. All Figo asked was to provide documentation that this is not pre-existing and the medical summary for each visit. I always got my reimbursement paid directly to my account within 2 weeks. Never any issue! Figo is not about money you pay which is nothing, but it is about the support they provide. If Figo wasn’t there for me, I had to spend $20k in 2 years out of pocket!! Figo is the best, get it and cover your Pet insurances case of any illness or accident (I hope it never happens to you).

I had 2 recent experiences with your customer service staff , they were very professional and helpful , I’m very happy to have Figo as my pet insurance .

Knowledgable people, efficient service

Website is easy to navigate they are quick on paying your claims no hassle
You get what you paid for especially if you have a small dog

Helpful customer service

Claims are processed quickly when the requisite backup documents are submitted. Post injury and intermittent therapy covered without any issues. Service ,when there are questions, has been excellent.

Terrible pet insurance. Didn't cover anything. I asked my rep on the phone if an X ray and blood test was covered before getting the procedures for my cat because it was $1000+ and she assured me they were. In the end nothing was covered, I cancelled my insurance immediately afterwards.

Figo pet insurance is truly the best insurance for my fur baby! The reimbursement process is incredibly quick and easy! Highly recommend!

I could not be happier with the simplicity of the process and responsiveness to new claims. No hassle and seamless!

Great rates, great coverage. Filing a claim is easy and payment is usually quick.
It does lag when they need dr notes-and when I've checked with various providers, they say Figo has not reached out for the needed info to handle the claim.
Grateful to have insurance for my dogs.

Extremely disappointed with Figo Pet Insurance.

I filed a claim for a simple visit, which is clearly covered by my plan. Instead of processing it, Figo ignored my documentation and denied the claim without any explanation.
The veterinary clinic confirmed that the issue happened only because of a name mismatch (my dog’s legal name vs the name I use daily), but after receiving the corrected invoices Figo still refused to reimburse anything.

Customer service kept ignoring follow-ups, and instead of helping, they tried to upsell me on staying as a customer.
Because of this experience, I decided to cancel my policy.

Very poor communication and zero accountability. I do not recommend this company.

I spoke to someone this morning about my claim for an accident that happened on Halloween. The claim isn’t even under review yet! The lady told me that their claims typically take 2-4 weeks to process. I asked her if my credit card charges me in interest for the bill that’s almost $7k, if they pay my late fees and she said no, maybe I can call the hospital my pet was seen at and they could pay my fees. ?? What a joke. Don’t waste your time with Figo

I paid the max amount for figo insurance and they make every excuse not to pay back. If it’s illness, they say it’s for wellness visit. If it’s wellness, they say it’s illness visit and don’t cover it. They will go along everything. I spent thousands for my cats and have only received like 30% back when I paid for 100% reimbursement but they say that certain things aren’t covered. It’s really frustrating.