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.
3

out of 5

POSTED: | BY: Long time customer

Claim denied

I had great experiences with my previous experiences with Figo. I adopted a new dog who had some diarrhea after I first adopted her which is so normal for a dog adjusting to a new environment. 6 months later I took her in for testing for a totally different intestinal disorder and feeling confident this claim would be covered I did several types of testing and my claim was denied as “preexisting condition” which was not the case. I’m seriously considering canceling my policy because of concern for future claims being denied.
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5

out of 5

POSTED: | BY: Rebecca

Great options and service

Great options and service. Filed a claim immediately after my dogs appointment and it was processed and closed in less than 24 hours!
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5

out of 5

POSTED: | BY: customer

Great service

Great service, easy to file a claim and quick feedback.
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4

out of 5

POSTED: | BY: customer

The process to put a claim it is very…

The process to put a claim it is very easy. I also found the coverage amount I received was right on point. The only thing I am not happy with is the large increase in monthly payments with the yearly renewal.
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5

out of 5

POSTED: | BY: customer

Quick turn around on claims

Quick turn around on claims. I am able talk to someone on the phone if I have questions. Great customer service.
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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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