Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,815

  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: Ruslan Priakhin

Extremely disappointed with Figo Pet…

Extremely disappointed with Figo Pet Insurance. I filed a claim for a simple visit, which is clearly covered by my plan. Instead of processing it, Figo ignored my documentation and denied the claim without any explanation. The veterinary clinic confirmed that the issue happened only because of a name mismatch (my dog’s legal name vs the name I use daily), but after receiving the corrected invoices Figo still refused to reimburse anything. Customer service kept ignoring follow-ups, and instead of helping, they tried to upsell me on staying as a customer. Because of this experience, I decided to cancel my policy. Very poor communication and zero accountability. I do not recommend this company.
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1

out of 5

POSTED: | BY: Tatiana Gomez

What a joke

I spoke to someone this morning about my claim for an accident that happened on Halloween. The claim isn’t even under review yet! The lady told me that their claims typically take 2-4 weeks to process. I asked her if my credit card charges me in interest for the bill that’s almost $7k, if they pay my late fees and she said no, maybe I can call the hospital my pet was seen at and they could pay my fees. ?? What a joke. Don’t waste your time with Figo
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2

out of 5

POSTED: | BY: Rosaliaaa

I paid the max food this insurance and…

I paid the max amount for figo insurance and they make every excuse not to pay back. If it’s illness, they say it’s for wellness visit. If it’s wellness, they say it’s illness visit and don’t cover it. They will go along everything. I spent thousands for my cats and have only received like 30% back when I paid for 100% reimbursement but they say that certain things aren’t covered. It’s really frustrating.
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4

out of 5

POSTED: | BY: Eda

quick response time

quick response time. Friendly customer service reps.
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1

out of 5

POSTED: | BY: Mercedes Schlaffer

Unfortunately I trusted Costco when I…

Unfortunately I trusted Costco when I signed up for this health insurance for my dog. Each time I send a claim, it comes back denied. When I call them they never know why is denied. They want notes from the Vet which is on the invoice and discharge paperwork. They still insist that they need more paperwork. They also charged us more for deductible because I went on my own to look for the a policy from them online and it was half deductible than the one they offered when I got it through Costco. Very awful customer service, everything is denied. They barely answer emails. I cannot believe this company hasn't gone out of business yet.
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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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