Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,791

  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.
5

out of 5

POSTED: | BY: Alicia

I’ve had Figo for a couple of years now…

I’ve had Figo for a couple of years now and started getting frustrated because things were getting paid because my deductible was so high but then I called and had my benefits explained to me and I didn’t realize how much I was actually missing out on by not filing claims for everyday items I didn’t realize were covered expenses. Reach out to customer service if you have questions because they’re courteous and knowledgeable. It’s made a world of difference!
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5

out of 5

POSTED: | BY: customer

I’ve been with Figo for over three…

I’ve been with Figo for over three years now and I have been very happy and I always get my payment very quickly.
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5

out of 5

POSTED: | BY: Dr Len

Website was user friendly and…

Website was user friendly and straightforward. Everything worked as advertised.
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1

out of 5

POSTED: | BY: Lori Henderson

Skip It

There is vague language in the policy that allow them to deny most claims. They are going to utilize the entirety of your pet’s medical record to find one reason to deny everything. I mean, it makes sense-it’s in the policy and they are a business. I would say it is a scam and a waste of time and money. Not sure if other pet insurers are better, but my advice is to skip Figo. For the price, the chances that you’ll actually get any use out of your coverage is slim to none.
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1

out of 5

POSTED: | BY: Matthew Bleeker

Scammy, policies are written to avoid claims

Failure to meet policy; had cardiac consult which included a diagnostic test but was declined because the vet invoice did not reference "diagnostic" but vet exam notes provided detailed explanation and diagnostic testing results...in detail. Company also rejected claim for a diagnostic for flea infection and they claimed it was not covered when their own policy explicitly states only pest diseases or related matters are not covered. A test for a pest disease is not a pest disease or related matter. Clear contractual language is either too difficult for them or they purposefully write their contracts in such a way as to challenge claims without recourse. Avoid Figo pet insurance.
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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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