From Nationwide to Figo -- The Upgrade Our Dogs Deserve After 4 dogs and more than 15 years, we finally made the switch in pet insurance--and wow, do I wish we'd done it sooner. Goodbye Nationwide. Hello, Figo! I honestly can't believe we now have significantly better coverage, higher reimbursement, and we're saving over $330 a year. That alone would've sold me, but then there's the Figo app--easy to use, packed with helpful details, and just generally designed to make pet parent life simpler. Even prescription costs are lower. Figo is offered through Costco, which gives an automatic 15% discount, and if you insure a second dog, that jumps to 20% off. Nationwide? We only received a 5% employer discount. Not even close. Here's where it really matters: Figo: ** $250 deductible ** 90% reimbursement ** unlimited coverage, plus ** wellness care (bloodwork, vaccines, and vet exams included) Nationwide: ** $250 deductible ** 70-80% reimbursement, capped at $5,000 per category annually, and NO wellness or exam coverage--despite what we were paying Yes, you can customize deductibles and reimbursement levels to lower the premium, but the plan we chose gives us maximum coverage and reimbursement--and still costs far less. I truly regret waiting. I should have switched months ago... especially back in October when Nationwide informed us they were discontinuing the plan we had for our boy. If you're on the fence: don't wait like I did. **Figo is a game changer.** #Figo #PetInsuranceUpgrade #WorthIt read more

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I wouldn't recommend Figo Pet Insurance. Costco made it seem fantastic, but I have been sorely disappointed. Previously with Nationwide Pet Insurance, premiums were higher but dedicated customer support existed. I could easily call and receive answers from one of their professional and courteous representatives. I also received a higher percentage of reimbursed claims. With Figo, filing a claim is done through AI. When I had questions about a denied claim, I called customer service because Figo's AI isn't equipped to answer questions. The representative spoke so quickly. Even when I asked the rep to slow down for comprehension's sake, everything was handled at the same rushed pace. I called at another time for different reasons and received the same rep with the same hurried style. The extra star is for when claims are approved: the reimbursement process doesn't take long. Also, Figo charges lower premiums than other companies. Rating them a one-star came to mind because their process seems more complicated than Nationwide's and less claims are being approved through Figo. If I downgraded them to a one-star after filing more claims, it wouldn't surprise me. read more

Figo's claims process is a joke. If your dog has ever thrown up and it's documented, they will basically deny any future GI-related claims, no matter the cause. They use any prior note in your pet's history to permanently exclude entire categories of care. Even worse, if your dog was ever misdiagnosed and you actually prove it, they still don't care. Claims continue to get denied moving forward as if the incorrect diagnosis is set in stone. There's no real consideration for context or correction. It doesn't stop there. Itchy skin? Expect future dermatology claims to be denied. The rep said good luck getting coverage for anything remotely related to cancer later. It feels like everything becomes a "pre-existing condition" no matter how minor or unrelated. Unless you insure your dog before literally anything ever happens, this coverage is a waste of money. The whole experience has been frustrating and disappointing. read more

Figo Pet Insurance - Pet Insurance Near Me - Chicago, Illinois

I have gotten a puppy from a breeder I thought I was in good hands since that are part of the USAA family. I got billed a wrong amount . Was informed it was a hiccup on there billing computer NOT A HUMAN MISTAKE Figo said they would just charge a difference in price my next billing period for Figo mistake wow I was very upset because the admin/managers did not want to talk to me. My USAA family would not have treated me like a number so I cancelled my policy with a top 10 pet company and reached out to USAA to let them know how I was treated What got me upset was they didn't know who USAA was and there reputation It will take 7to 10 days to get a partial refund because of Figo pet insurance mistake So really beware of this pet insurance company Feel great I cancelled my policy today read more

If you are a pet parent and you love your pets like human children, do not sign up with FIGO just because it is promoted through Costco. That was the worst decision I made. I pay over $110 every month in premiums, yet the maximum annual coverage is only $10,000. Despite that, any time a claim involves prescribed medication, they almost always look for a way to deny it, labeling necessary treatments as "non-covered" instead of honoring the veterinarian's treatment plan. Most recently, my dog developed a corneal ulcer and required a veterinary visit. On the receipt, there was a $72.50 credit balance, which came from a prior visit where the clinic charged for Wei Qi Booster but did not dispense it. For clarity, I am fully aware that FIGO does not reimburse holistic care, unlike other insurance providers I use. This credit had nothing to do with the ulcer visit or the claim amount. Despite this, FIGO closed the claim without a single explanation. No email. No call. No request for clarification. The claim was simply closed. This perfectly summarizes my experience with this company: when clarification is required, they choose silence and closure instead of communication and due diligence. Appeal Process After the claim was closed without explanation, I opened an appeal. Only then did FIGO respond, stating that the claim was "not denied," but merely "closed and pending additional information." This statement directly contradicts their actions. At no point did they request additional information before closing the claim. They also claimed they were unable to verify information with my veterinarian, despite the clinic being open Monday through Friday during regular business hours. The reality is simple: no meaningful attempt was made to verify anything. Closing the claim first and explaining later is not an appeal process. It is negligence. Additional Context Based on My Long-Term Experience When I first signed up, I insured one cat and one dog. At the time of enrollment, my cat was healthy with no illness history. The only note in her medical record was obesity, and the veterinarian advised a diet plan. She successfully lost over 2 pounds, which is clearly documented in her records as intentional and supervised weight loss. About one year later, my cat began vomiting and losing weight rapidly. She was examined and diagnosed with hyperthyroidism, a completely different medical condition. She ultimately required I-131 treatment, which is the standard and definitive treatment for this disease. FIGO denied the entire claim, arguing that weight loss existed "prior," completely ignoring the medical distinction between intentional diet-related weight loss and pathological weight loss caused by hyperthyroidism. These are not medically interchangeable, and the veterinary records clearly reflect that. This denial showed either a lack of medical understanding or a deliberate misrepresentation of facts. Because of this experience, I moved my cat to a different insurance provider, where her condition was handled appropriately. At the same time, I added five additional pets to other insurance coverage instead of continuing with FIGO. As for my dog, Loc, I insured him for two full years before he was diagnosed with a thyroid tumor. His condition progressed, required ongoing medical management, and his veterinarian prescribed medications as part of a documented treatment plan. FIGO once again denied all medication coverage, labeling them as "wellness supplements," despite the medical records clearly stating they were prescribed as therapeutic treatment, not optional wellness products. Across multiple pets and multiple serious medical conditions, the pattern is consistent: when claims involve real illness and meaningful cost, FIGO looks for semantic excuses to deny coverage rather than honoring treatment plans written by licensed veterinarians. This is not how insurance should function. Pet owners deserve transparency, medical literacy, and honest claim handling, not technical loopholes and silence. read more

Figo Pet Insurance - Pet Insurance Near Me - Chicago, Illinois

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Worst Insurance on the Market! Every time I go to the vet, I submit every document to the insurance, and they always deny every claim. It's ridiculous, they never want to pay anything. Sometimes I wonder why I am paying for pet insurance that never wants to pay anything. I chose this insurance because they have a discount for Costco members, which in the end doesn't make a difference because they don't pay for anything. LOL. read more

I got sucked into buying this insurance via Costco. What a WASTE of Money! Don't do it. They find every way NOT to accept your claim. Their customer service is horrible as well. read more

DON'T BUY FIGO INSURANCE. Giving 1 start is too much. They deny everything! I have a $250.00 deductible. I submitted a claim for $1000.00 they paid $88.00 saying the rest went to the deductible? How is that possible? If your dog has a documented right ear infection and now your sending in a bill for a left ear infection they will DENY as pre-existing. The worst per insurance ever! read more

This has not been a positive experience for us. They deny valid claims because they SAY they didn't get the information from my vet, but the vet indicates they did send the requested information. I trust my vet. I don't trust an insurance company. We previously had a different carrier but I switched due to cost. Big mistake on my part. Figo is a waste of money in my opinion. read more

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. read more

1st of all...their App sucks!! It NEVER works on any mobile device and never with Firefox as a browser. 2nd .. they do pay claims fairly quickly and yes the coverage is what you choose, but the premiums jump every year and sometimes they jump big. 3rd...their customer service reps are all working from home and you can hear the TV, kids, dogs in the background. They can't answer your questions without putting you on hold and making a call to the powers that be that can answer your question. Which means I have to put up with being jerked around so they as a company can save money. I'd switch if I could, but can't because everything is a preexisting condition now. read more

I purchased the policy with Figo for my healthy 3-months-old puppy; Included wellness benefits (preventative) in the coverage. a) Figo only covered a very limited amount for the vaccinations and wellness exam that I specifically chose to pay the premium for ($165 out of $548.84). b) When I took Charlie to be examined for a few skin issues that I thought could've been problematic (after the waiting period was over!!!), Figo found a way to not cover it because I told the doctor that they appeared 4-5 days ago, and 5 days was apparently prior to the end of the waiting period. The fact that I said 4-5 AND that I waited to take him to the vet AFTER the waiting period was over didn't matter, I guess. c) But the last drop was the denial of half of the charges for the diarrhea appointment. To deny the coverage for the test for parasites while the puppy is having such severe diarrhea is absurd! And the medication the vet prescribed was not "medicated" enough, it was too "natural" for Figo, so they didn't cover it as well. I refuse to give my business to the insurance company that has no care for animals and only cares for their bottom line. read more

I got Figo because they were connected to Costco. I thought it was probably an acceptable company because Costco would have vetted them. I was wrong!! My dog had an ear infection and they classified it as a "dermatological episode (!), ie. an allergy and ,therefore, not covered. I know allergy is a pre existing condition for my dog and don't expect coverage but an ear infection?? They classify that as an allergy also. I called a couple of months ago and the representative told me that that had been an error but today when I called I got a whole new story!! All I can say is BEWARE!! They seem to use any rationale for not covering. Apparently they have their own glossary for conditions. Perhaps they should include it in the policy but oh no, then they couldn't make up stuff on the fly! read more

This is a scam. They do not pay claims. I've been with them since my dog was a puppy. and she now needs surgery at a little over two years old. She is not able to breathe with any elongated soft pallet and laryngeal paralysis. She was diagnosed in December 2024. They are trying to say this is a pre-existing condition, but it is news to me because no one ever told me she had these things. It took a while for me to figure this out, and she had to be sedated. I could not be more upset with an insurance company. Insurance is supposed to be there for you when you need them. FIGO has let me down. My dog will still get treatment. I will pay in full and I just will not have insurance anymore. I would like to do anything I can to encourage you not to purchase this policy and to purchase Trupanion instead. I wish I would have. read more

Figo Pet Insurance - Moxy - Pet Insurance Near Me - Chicago, Illinois

This company is garbage. They are more than happy to take your money, but if you follow all of their conditions and rules, they will still find a way to deny any legitimate claim. Their website shows good reviews, but I am sure each and every single one of the reviews is a fake as they are posted by simple first names and read like an advertisement. If you call regarding a denied claim, or a claim that will pay a ridiculously minuscule amount on a vet bill, you will talk with someone who will not provide you with a first and last name, nor will you be given a name of a supervisor, or any name of someone in charge of this sham operation. We will be contacting our State Insurance Commission about FIGO. We will also be contacting Costco executive division as I am pretty sure that they have been scammed by this company into having FIGO brochures available in their stores. . read more

WARNING about "FIGO Pet Insurance" sponsored by Costco. I was quoted a premium of $54.01 for two dogs. When they debited my credit card, it was for $88.01 (about 63% higher). They say they have a 30 day guarantee. If not happy you can cancel for a full refund. After reading many negative reviews, and my overcharging, I decided to cancel. I canceled the next day, and I am still waiting for my refund (credit), after 4 weeks. UPDATE 03/12/2026: Now they have decided to refund only $54.01 of the $88.01 that was deducted from my Credit Card. Just FYI, Pets Best and Figo have the same address and suite number, in Scottsdale, Arizona. read more

We've had Figo for our son's dog for 3 years. We have not ever made a claim so unsure that aspect but upon renewal this year my online portal showed it was being renewed at $292.68 then it processed on my credit card for $390.36. When I called I was told it was a rate increase and their online "cloud" was incorrect. I canceled because if they can do this to me now, what will they try when I have a claim. read more

I adopted a one year old dog from the Humane Society. FIGO won't cover any dental now or in the future because my dog needs his teeth cleaned. In other words after I get his teeth cleaned if he needs an extracion in 6 years and needs dental they won't cover it. I bought the policy through Costco and have cancalled it. They consider gingervitis a pre existicing condion. Don't waste your time they company. read more

impossible to get any sort of response from them. endless emails of mine have gone unanswered about a claim i filed 3 months ago. people on phone are not helpful. cancelling policy with still no resolution on claim read more

Very bad. Will not honor claims! Do all they can can discourage claim submission. I quit that outfit after they repeatedly refused to pay anything on claims for my dog. I notice that I am not the only one with similar complaints. Must be something to it, you think? read more

If I could give 0 stars....I want to escalate with Figo that they have denied our Pet accident claim twice already. Getting generic policy book answers and not happy with fundamental way they are presenting themselves at the insurance policy writing time. read more

High Premiums & Crazy Hike at Renewal Figo increased my premiums by 40% and 31%. Now over $310/mo for two healthy dogs. 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 health 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. read more

They suck. Their app is confusing and unclear. I paid almost $700 in vet fees yet still never reached my $500 deductible. The policy was discounted through Costco membership which made it $635.xx. Ridiculous. I cancelled the policy today, as I see others have done as well. read more

Strongly not recommend figo they don't cover anything. Simply says check declaration and If your guy has illness first vist they say co-pay and similar illness happen again they say not covered need to wait for 1year. Horrible insurance.. read more

I would give zero if I could. Do not was your money. They pay nothing. even after giving them detailed descriptions from the doctors office for services rendered and credit card they still keep asking for more information from the doctor. I'm not doctor to write an essay. The bottom line is they don't pay any claims whatsoever. read more

DO NOT SIGN UP FOR THIS INSURANCE! BEWARE of predatory and misleading policy documents/practices. Figo denied our claim even after submitting a complaint to the Illinois Department of Insurance. We switched our pets insurance from Pets Best to Figo in January. While I understand they have lengthy waiting periods for orthopedic, we were grossly mislead in the policy documents provided to us. Specifically, the Amendatory Endorsement for Part III: Coverage, which states "If Your Pet was previously covered under an Independence American Insurance Company group pet insurance policy that was in effect immediately before the effective date (no gap in coverage) of this Policy, credit toward satisfying the Pre-Existing Condition Waiting Period and other Waiting Periods will be applied for the period of time the Pet was covered under the prior Independence American Insurance Company group pet insurance policy. Submission of the prior policy declarations page and/or the verification of premiums paid through payroll deduction may be required." We were previously covered under Pets Best, another offering by Independence American Insurance Company through a discounted rate given by a members only organization. We provided our declarations page from Pets Best as proof and thought nothing of it, until one of our pups required emergency surgery on C2/C3 because of herniated disc that ruptured into deep veinous sinus in March. Thinking we were covered, we submitted a claim and it has been nothing short of a nightmare dealing with this company. At first it was explained that we weren't covered under that amendatory endorsement because we are not employed by Independence American. I argued that the endorsement doesn't explicitly state this and that the wording is misleading as group policy can refer to a number of offerings including offerings through a member organization or association. Then we were told to try to submit their ortho waiver and see if it would go through and help. We were then told by multiple folks on the phone that they weren't familiar with the amendatory endorsement and that we should try to submit their ortho waiver. Submitted the ortho waiver after the fact and it was returned and deemed unusable since Figo could not get confirmation from our vet that they saw our pup in the allowed +or- 30 days of policy inception. We've gone through hell rehabilitating our pup after a $13k surgery that we thought we were covered by insurance on, but that wasn't the case. Fast forward to today, after filing the IDOI complaint, going through two official appeals, and we were told there is nothing more that can be done. We were also told in letter that the amendatory endorsement states that the previous policy must be underwritten by independence American Insurance Underwriters...I'm confused where the policy states that in the endorsement as what was quoted above is directly from their letter of denial. This company is attempting to dodge our claim at all costs. While I understand this orthopedic policy is in place for folks who suddenly get insurance and then have a claim and then close out the insurance policy after payout, we are not those folks. Our pets have been insured since we have had them in our care and we have been responsible, or so we thought. Financially we were switching because Pets Best increased our premium per dog by more than 250%, so we read through sample documents before we made the switch. Please don't make the same mistake we did and steer far away from this company. read more

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*Updating my former glowing review to warn others to stay away now.* Figo was acquired by Independence Pet Group in 2021, and the quality of customer service as well as price stability have absolutely tanked since then. The company I signed up with back in 2016 is not the Figo you'll deal with today, unfortunately. In the intervening years, I watched my premiums increase by 60% or more, despite promises that changes to underwriter companies would reduce premiums (or at least stabilize the rate of increases) for customers. They chose to chase exponential profit growth over all the things that made them special in the first place, so you should expect them to behave accordingly. They consider many things preexisting -- it's an expansive and exploitative practice across pet insurance, so they are hardly unique. That doesn't make them good people, though, and I was initially drawn to the company in 2016 because they seemed to actually care more about pets than other companies. I think that was true for a while, but it's clear that new leadership has moved them in... another direction. My genuine advice is this: Create a savings account just for vet expenses, and start adding what you can every month. $50-$100, if you can swing it! Barring catastrophic health emergencies, you will almost always come out ahead, especially now that Figo seems comfortable hiking prices up every time your policy renews. Another option is to check if your vet offers payment plans that would help you manage covering high cost treatments or procedures. If you can get pet insurance early for a beloved companion, that is your best bet to ensure you have a shot at coverage over the life of your animal. If that's the route you go, I strongly urge you to check out other companies, like Nationwide or ASPCA, rather than giving business to Figo. read more

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 read more

Costco recommended Figo Pet Insurance. They don't pay for anything. What a scam I cancelled by policy.

It get's worse. On Sept. 25, Michelle from PetCloud/Figo support tells me that first time claims require 14-21 days to review but that doesn't start when the claim is filed (Sept. 12) but instead the clock starts when they have obtained all med records from vet (and they went back asking for more and more, two or more times - most recently on Sept 23) - I think it's a ploy to stall paying. FIGO is terribly slow to pay - shop around for better service. Btw, the support people all try to kill you with kindness but cannot answer when claim will be paid and have no recourse or power to escalate. They're WORTHLESS!! read more

First claim was a breeze! Second claim was denied and they will not contact me back via email or phone! I got the highest policy with 100 dollar deductible. Was supposed to cover all wellness exam and vaccines. Again, the Doctor.. Not Me, has you come back a month later for second round of vaccines. I was not alarmed until after paying and submitted my second claim and received an email... All done! And it paid ZERO DOLLARS! I EMAILED IMMEDIATELY, CALLED AND NOTHING! I PAY OVER 200 A MONTH FOR 2 DOGS AND THEY DENIED AND LIED! THEY GET ZERO STARS FROM ME! Save your money! read more

I had these evil a-holes since the day I adopted my pet and only made 1 claim , the day he turned 9 1/2 they jacked the rates 71%!!! With the only reason is his age with no consideration for his good health and care. Another evil insurance company that will screw you and your pet for profit. read more

They always deny my claims for my dog and find reasons not to reimburse for covered things. I will find another company when this policy term ends. read more

This company is a joke. If you want to really get a reliable pet insurance, get it from another company. This insurance did nothing for me or my pets! Their fineprint is really a scam! Yearly shots are considered wellness add on! Beware! Very misleading! read more

They take your premium but won't pay on claims. Anything related to a pre-existing would be denied even if it's an annual exam. They linked it to a pre-existing. What's the point of having this policy. This coverage is basically for worse case scenarios or major accidents. Everything else would be denied. Adding up all I've paid in premiums I can just pay out of pocket and still be ahead. Don't believe this company just because they have a contract with Costco. read more

Horrible company that makes up reasons to deny claim. TO GET YOUR CLAIM PAID, DO THESE 3 things, and you MUST DO ALL 3 OF THESE THINGS! 1) File a written complaint with your states consumer rights division. This opens the door for you. 2) Write Costco a letter and include copy of your complaint with consumer rights division. 3) Hire a consumer rights attorney and have them file a lawsuit. If you do all these, you will get them to listen to you and they will pay the claim. It's a pain but is only way. I will directly message all 342 reviews on here and help people fight this fraudulent company. read more

DO NOT GET THIS INSURANCE!! Really high premiums and they deny all your claims so now you have to pay all of the vet bill and on top pay a really high premium for an insurance that doesn't do there part. Just because they've partnered with costco doesn't mean they're good, please avoid. read more

I have had nothing but terrible experiences with this pet insurance company. Your service was slow and unresponsive, and they denied my claim. I am extremely dissatisfied with their lack of care and professionalism. I will let Costco, who worked with you, know about my experience and will not hesitate to tell others about their terrible service. I did not expect a complete refund or credit for my pet's surgery, but I at least expected fair coverage and a timely resolution. This company has no regard for pets or their owners. I canceled my policy and I am waiting for my prorated refund. read more

They push back about covering anything. Also, I just got a renewal notice and apparently, they're increasing the cost of my pet's policy by $20/month. Awesome! read more

Stay away from this company. Everything is pre-existing, even if its not. The claims representatives are apparently trained to appear genuinely concerned, "grandmotherly dog lovers" who apologize for any misleading information we, the consumer gets when researching, talking to company reps and being scammed about coverage at time of insurance plan sign up. When calling to discuss every denied claim, the option most given by reps is, you may cancel at anytime.......... I have 2 dogs on FIGO plans and have basically given away my money to them while incurring over $6000.00 of vet bills that were not covered for surgeries and UTI infections in an 8 month period. FIGO found a way to make UTI's pre existing??? Hope this helps consumers avoid this scam company. read more