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.
5

out of 5

POSTED: | BY: CHRISTINA

Figo is a great insurance

Figo is a great insurance. It's so user friendly in filing claims, explanation of charges & credits is clear & precise. Getting refunded is quick & effortless! You can pick your type of coverage needed. We have definitely saved a lot on vet bills. We got Figo insurance through Costco which added to the savings.
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1

out of 5

POSTED: | BY: Curtis

Not Transparent - Wellness Items Had Check Marks to Show Covered But They Barely Cover

Just signed up with Figo, through Costo. Very disappointed after just one visit. We signed up for the wellness add-on which had large check marks next to things like vaccines, microchip, deworming. We got our first claim back. They only cover $50 per year toward vaccines, $30 toward microchip, and $10 a year toward deworming. That should have been made much clearer. When a company puts large checkmarks next to what's covered on their plan, that makes it seem like it's covered. I'll be browsing for a better, hopefully, more honest company.
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2

out of 5

POSTED: | BY: TCZ

I have multiple dogs and I have had…

I have multiple dogs and I have had Figo for a few years for all my dogs. One of my dogs became very ill suddenly and was diagnosed having T-cell Lymphoma and had to be hospitalized. The docs recommended chemo. My bill for him is over $15K and I promptly submitted all the invoices along with the hospital records at Figo's request. First round of claim was submitted three weeks ago, still in review. The second round of claim, of course, still in review. No past cancer history. They must know people need reimbursement to continue pay for the critical treatment for their beloved family member. I have been told they now have "everything" for the last 10 days. It is very frustrating... I don't know if Costco is aware of people's complaints about Figo.
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5

out of 5

POSTED: | BY: Judi R.

Figo Pet Insurance….the best decision you’ll ever make!

We are so happy that we have Figo Pet Insurance!!! You have so much more control of what coverages you want-more than any other pet insurance we have used. The claim submission process is super easy to use and claims are reviewed quickly and fully and Figo reaches out directly to our Vet if more information is needed without us having to do any additional work. The claims are processed quickly and refunds are sent immediately after the claim is closed. We highly recommend Figo Pet Insurance!!!!
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1

out of 5

POSTED: | BY: Unknown

Figo very strict and what they cover…

Figo very strict and what they cover and make it very difficult to file a claim for reimbursement. Made a big mistake switching from nationwide to Figo to save a few dollars. Be careful who you choose. I am searching for another pet insurance company as we speak.
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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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