Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,875

  Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.
4

out of 5

POSTED: | BY: Cindy

confusing website

I reached out to customer service for help in navigating the website. The website is difficult to navigate: - it is hard to find the login - there are instructions to have your vet email invoices to mypetcloud, but no instructions on what happens next (that you actually need to do something further) - there are other options for the vet to email invoices, that cause claims to happen, but this not clear on the website. That said, the customer service person was helpful and got my claims processed.
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5

out of 5

POSTED: | BY: Laura Bachmann

After 1 Year with Figo

I picked Figo because I get 5% off through work as one of my benefits so it was the most affordable option for me. Figo has been very easy to use so far (been using for 1 year). Its easy to make a claim via the app. My claims have been processed quickly and the amount I've gotten back has been what I expected based on my coverage. I added the wellness plus to my plan and it's been worth it value-wise so far.
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5

out of 5

POSTED: | BY: Valued Customer

Great help from the FIGO team when…

Great help from the FIGO team when filing invoices for reimbursement. They are very helpful with timely assistance.
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1

out of 5

POSTED: | BY: customer

Nothing gets approved so though my…

Nothing gets approved so though my automatic payment has gone through already, I’m canceling after this year. Totally not worth it. Better off using a flex account or care credit.
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1

out of 5

POSTED: | BY: customer

Overpriced, covered nothing

Overpriced, covered none of our medical expenses, would never recommend.
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Monthly Cost

$9 to $135 on average depending on chosen plan.

Coverage

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limits

Must be 8 weeks or older to enroll. No upper age limits apply.

Waiting Period

1-day for accidents, 14 days for illnesses, 6 months for hip dysplasia and orthopedic conditions. (Both hip dysplasia and orthopedic condition waiting periods can be waived by having exam/waiver form completed by veterinarian)

Exclusions

Curable pre-existing conditions may be eligible for coverage if symptom free for 12 months Conditions arising from a repetitive and specific activity, eg. Ingestion foreign object, ear infection caused by water, snake bites, etc. – excluded after 3 occurrences We now have a wellness option We have a diminishing deductible Copay & deductible waived for emergency life-saving treatment (in the case of an accident, not illness)
Figo Pet Insurance detail
Figo is committed to helping pets and their families enjoy their lives together. Figo’s cloud-based pet healthcare offering features everything pet owners need to manage their pet’s everyday lives, including coverage and medical claim information, digital pet tags and the latest lost and found technology. Any claims are reimbursed directly into your account using ACH. With three flexible pet insurance plans to choose from, owners can customize their reimbursement percentage and annual deductible, and Figo provides up to 100% coverage with unlimited annual medical benefits.
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