Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,786

  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.
1

out of 5

POSTED: | BY: T Z

Zero stars if possible!!

Zero stars if possible!! Do NOT get this insurance!! They give you a hard time to process your claim! They do not coordinate with each other’s department, sent the documents required (which Was also sent via the pet cloud app) numerous emails both from me and the vet clinic and still want it to be resend, only to paid a very minute of what i have claimed! They will deny whatever they can deny! It’s better just saving a portion on your own money rather than paying their premiums! They will make you beg for your claim! What a joke! Oh the prescription from costco, none of that they will pay! Don’t be fooled!
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5

out of 5

POSTED: | BY: C.C.

Figo has made my cat’s quality of life better

Without Figo, my cat wouldn’t be alive. She was diagnosed with a fairly rare chronic illness. It requires a lot of maintenance that adds up fast. I wouldn’t have been able to afford it, but thanks to Figo, and I truly can’t express my gratitude enough, she gets the treatment she needs for the quality of life she deserves. There were a couple of times things were erroneously denied, but Figo did a great job of taking information from the vet, and correcting those denials. I feel that says a lot about the company too. They fixed what needed to be fixed. Again, they have my eternal gratitude.
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5

out of 5

POSTED: | BY: Robert

Cost effective pet insurance

Cost effective pet insurance. Very responsive claims processing.
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5

out of 5

POSTED: | BY: MARY ELLEN

Quick payout

Quick payout, great customer service
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5

out of 5

POSTED: | BY: Diana

Definitely recommend

I love the exclusive line Costco members have whenever I call and have questions about the policy. They answer quickly and the customer service is always friendly and very informative. I’ve had a few claims and have had no issues. They’ve paid me within a day or two. As long as there’s no pre existing conditions there should be no issues. It’s affordable and I like that I can customize my policy. I’m very happy overall and glad I found them through my membership with Costco.
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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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