I just wanted to share my experience with Figo pet insurance, which I bought through Costco. It seemed reputable, especially with Costco’s endorsement.
I got Figo for my cat, thinking it would be quality insurance. However, a few months into the policy, my cat was diagnosed with stomatitis, an autoimmune disease that often requires tooth extractions. I submitted an estimate for preapproval, and Figo initially responded that the condition wouldn’t be considered pre-existing. But after the procedure, they denied my claim, saying any prior sign of gum disease made it pre-existing—even though they had these records during preapproval.
They told me that any mention of previous dental issues makes a pet completely ineligible for future dental illness coverage. When I asked what the point of preapproval was, their rep admitted, ‘I don’t know.’
I wanted to warn others so you don’t waste your money on a policy that may not cover you as expected.