Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,876

  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: Jasmine

Nothing covered when my puppy got sick

My puppy got sick a week after we got him. I was so relieved that I got pet insurance for him so i didn’t have to worry about the finances when taking our sweet puppy in. However, the insurance didn’t cover any of his illness because it was within the 14 day waiting period and I missed that in all the disclaimers for the insurance. Just another bill for me to pay that won’t actually help me when I need it. Now I am still worried about the financial responsibility of having our dog and this insurance doesn’t provide any comfort. Still have to pay for all routine vet visits and shots and the insurance.
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5

out of 5

POSTED: | BY: Venkatesh

I have two pets

I have two pets. At the time of submission I was able to select only one pet at a time. But I submitted claim for both of my pets. Immediately I got an email from figo asking me whether I would like to separate the claim and they did the background work to submit two separate claims. Figo insurance processed my claim immediately.
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3

out of 5

POSTED: | BY: customer

Value for ever increasing premium is questionable

Only had an opportunity to submit a claim once in 12 months. New it was below deductible, but was surprised at the amount of deductions even to be considered as meeting deductible. I do not find value in this product. Get way more cute, fairly useless communications, than I received on the claim submitted.
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5

out of 5

POSTED: | BY: Bernie

Best Pet Insurance

Wonderful turnaround time for payments helpful customer service reps.
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5

out of 5

POSTED: | BY: Carla

Highly recommend

Just signed up when adopting a new kitten. Let's start with the coverage and price, it's really a great deal. You have power up options and can truly customize your plan for any age fur baby. Had her first vet visit 7/5, uploaded her visit information and payment and filed my first claim. Expected a lengthy processes but within hours my claim was review and payment has halready been scheduled for the reimbursement. I have absolutely no complaints!! Would recommend to anyone with a fur baby!
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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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