Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,599

  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: Linda

The people at Figo are great; Pet Cloud needs work

The people at Figo are great! They have been very helpful in helping me get my Pet Cloud working. They have also been great about helping me to file my first claim. The reason I didn't give the 5 stars is that the Pet Cloud app which you are instructed to use for filing claims doesn't work when I try to file my claims. I can use it to upload my documents and manage my account, but when it comes to filing a claim, I get the "spinning wheel of death". Hopefully that issue will get fixed soon so that I can get my claims filed and processed quicker.
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5

out of 5

POSTED: | BY: Jennifer

Customer service is very helpful

Customer service is very helpful. With the wellness exam plan I was reimbursed very quickly for vaccinations, so far I love the plan.
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5

out of 5

POSTED: | BY: shein lover

claims process is an absolute breeze...

The claims process is an absolute breeze! The AI operater is great, making the experience smooth and enjoyable.
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1

out of 5

POSTED: | BY: Heather

hardly anything was covered

hardly anything was covered. Less than 1/3 out of a necessary test and prescription. I'll be looking for different insurance. Why pay a premium if they don't even cover 1/2 of one month's worth.
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5

out of 5

POSTED: | BY: Katie

The service has been excellent so far

The service has been excellent so far! Very kind and knowledgeable people and the claim filing process has been so easy!
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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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