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: Ali Quintero

It is a terrible service

It is a terrible service, first I call and ask for pre-approval for an operation with a budget of $950, they said yea everything is ok after I was with FIGO 3 years for the insurance that I never used, they approve the operation and then I make the claim and they tell me that my policy was renewed automatically and they can’t cover the cost of the operation because the terms had been changed in the new policy, obviously all this changed to your convenience. This service is useless, it is terrible they never telling me nothin about the change, they just decided change this year.
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5

out of 5

POSTED: | BY: Donna R

I love the quick response on claims

I love the quick response on claims. I filed a claim and received my payment way faster than I expected.
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5

out of 5

POSTED: | BY: Joe

Fast

Fast, friendly service. Definitely would recommend
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5

out of 5

POSTED: | BY: Mitra

My question were answered

My question were answered
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5

out of 5

POSTED: | BY: Carol Balfe

Responsive

Figo representatives are always on top of whatever question I have - and make it easy to understand any issues. I have 6 cats insured - so - I find FIGO to be as affordable as possible under ths cirmcumstances. I also like that claims are processed quickly and funds are deposited directly into my bank account.
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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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