Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,851

  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.
2

out of 5

POSTED: | BY: Joel

Want it to cover preexisting conditions? Forget it.

They seriously don’t cover anything that they have the right to deem is at all related to a “past illness”. Like if there is a tooth issue once they don’t cover a tooth issue 3 years later?? That is completely unrelated. Another ridiculous insurance company.
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5

out of 5

POSTED: | BY: Laurie Kresl

Easy to work with and compassionate

I have had this insurance for my 2 dogs for about 3 years. my Bernese Mountain dog had 2 CCL surgeries back to back last year and Figo was so easy to work with and file a claim. We had no issues at all. Then my Bernese was struck with a rare, aggressive cancer and we lost her 2 weeks ago. Figo not only paid for all our claims but also sent a lovely sympathy note when I reached out to cancel her policy.
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5

out of 5

POSTED: | BY: Kimberlee

Reimbursement is quick and convenient

Reimbursement is quick and convenient. It's so nice to have good dog insurance and it's reasonable especially since it's more affordable then our insurance it's terrible. Thank you for being their for our fur babies. ❤️ Kimberlee Ann & Blaine Boyd
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1

out of 5

POSTED: | BY: Jaime Nelson Denson

The policy documents are misleading and…

The policy documents are misleading and over state what's covered - for instance vaccines say $50 for all the basic vaccines "per incident". This means if you're like most people and have your dog vaccinated for a few things in one visit, they only pay the $50 once and not for each vaccine. This is one example of many. They are super shady.
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1

out of 5

POSTED: | BY: Erica

This is a scam - beware of actual costs!

Horrible experience. First of all, my policy states that I have a “$500” deductible and am reimbursed 70% AFTER the deductible has been met. However, what Figo fails to mention is that if the first appointment is greater than $500, they remove the deductible after the 70% reimbursement has been applied - essentially making the deductible 30% more than they state (unlike all other Pet Insurances I’ve come across as well as how the average Health Insurance is applied - I work for Medicare so I am well aware how human health insurance works). So in all, if using Figo, be aware that the deductible is much higher and in my case, $650 rather than $500! (For reference, spoke to Insurance Agent License: 4431168)
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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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