Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,877

  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: Alex

Paid thousands in premiums only to have all claims denied

We've been paying Figo for 4.5 years to insure our 2 dogs. No claims filed until one of our dogs needed to have 4 teeth extracted. Claim denied because of "pre-existing" even though the vet wrote a letter saying the condition started AFTER we signed up for coverage. Appealed to no avail. Why spend thousands on insuring your dogs to get peace of mind, and then find out you're denied and exposed when you need it most? It's like we just threw thousands of dollars at Figo for absolutely nothing – all claims denied, no peace of mind. We got zero value out of Figo. Really disappointed as I'd signed up through Costco, which supposedly vets vendors for quality. Check out their BBB reviews before buying Figo.
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5

out of 5

POSTED: | BY: Shasta

I have insured 2 dogs with Figo

I have insured 2 dogs with Figo. It is really easy to submit claims. They are reasonable and esponsive. I will use them again when I get another pet
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5

out of 5

POSTED: | BY: Judy

Filing claims has never been easier

Filing claims has never been easier! This company has great customer support and fast efficient service, whether you are working with them online or on the phone. I’m really happy with my choice.
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5

out of 5

POSTED: | BY: Becky Kinnander

Filing a claim is super fast and easy

Customer service representatives have always been extremely helpful since the very beginning when they assisted me in selecting the best plan for our 2 dogs. Recently our 10yo had TPLO surgery and is currently receiving rehab. The process to submit a claim takes less than 5 minutes and the claims are reviewed, accepted and paid in a timely manner. No issues with the claims, all have been paid as outlined in our policy.
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5

out of 5

POSTED: | BY: Voughn Shellner

I sent the invoices to Figo the next…

I sent the invoices to Figo the next day they were approved three days later I received my checks.
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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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