PetClaimLog › Claim Log › Figo
Sourced from public Reddit posts and BBB consumer complaint records — every case links to its original source. Self-reported accounts, not adjudicated rulings. No composites, no invented numbers.
This page collects the Figo cases in the PetClaimLog log — 7 of 186 sitewide. Every case is a self-reported account from a public Reddit post or a BBB complaint record, linked to its original source. We summarize what the sample shows, then list each case.
Figo's 7 cases lean toward denials (5 denied, 1 paid, 1 partial / fine print), but the paid case is instructive: an orthopedic waiver filed at signup — after a clean checkup — is what let an ACL tear get covered. The denied cases show what happens when a symptom lands days before the waiting period ends. Small sample; the next collection batch may shift this picture.
This is our own log's sample (7 of 186 cases sitewide), not a statistical verdict on Figo. Figures reflect the post date, not current policy terms.
Other carriers in the log: Trupanion claim outcomes · Healthy Paws claim outcomes · Lemonade claim outcomes · Embrace claim outcomes · Nationwide claim outcomes · Pets Best claim outcomes · Other carriers claim outcomes
Figo
$400 cremation denied
After at least ten years insured, the euthanasia fee was covered but the $400 private cremation was denied — 'Final Respects coverage was not selected.' A document review across two policies found no such rider was ever issued or offered.
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$4,000 bill → about $1,300 out of pocket
An orthopedic waiver was filed at signup after a clean checkup; in late June the dog tore his ACL and meniscus. On a $750-deductible / 80% plan the claim was approved after about a 3-week review — roughly $1,300 out of pocket on a $4,000 bill, per the owner.
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Denied as pre-existing; appeal in progress
Limping started just a few days before the 6-month waiting period ended; after a chat with a vet tech in the app, Figo denied the claim as a pre-existing condition even though the X-rays were completely clear. The owner is appealing.
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$800 payment reversed
An approved and cashed $800 claim payment was reversed over a month later; the follow-on claim was denied and an appeal rejected because the dog had three prior ingestion incidents. Earlier ingestion claims had been paid.
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Denied beyond a small wellness cap
A claim for a routine dental cleaning was denied — covered only up to a small wellness cap. The owner’s previous insurer (Nationwide) had the same gap, so regular cleanings stay out of pocket.
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The author is a veterinary internal-medicine specialist whose prior visits had counted toward the deductible — then the insurer's newer policy language excluded treatment performed by a veterinarian on their own pet, and the claim was declined. Top commenters (200+ points) call such clauses standard anti-fraud practice; the denial itself is not disputed.
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$75 reimbursed in 6 months
Per the post: six months, four claims, one approved — $75 back. The owner canceled and returned to Embrace. Top commenters push back, calling Figo solid and questioning the expectations; the figures are the author's own account (unverified).
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