Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,851

  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: 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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5

out of 5

POSTED: | BY: Leland

They’re quick on claims no hassle make…

They’re quick on claims no hassle make it very easy to file a claim and then find out how the claim goes through its process. Figo is a good insurance for all of our pets.
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5

out of 5

POSTED: | BY: Vance

We did not expect to have to use Figo

We did not expect to have to use the insurance as we did. Our puppy ate rocks and needed emergency surgery. The bill was close to 10K. Thankfully we had Figo insurance and the process was easy. We submitted online and within two weeks the money was in our account. I highly recommend them.
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1

out of 5

POSTED: | BY: Baker

Avoid Figo. Terrible experience with them.

Scam. They'll come up with any reason not to pay a claim. Simple straightforward dog bite and 2 months later still nothing. They'll just close the claim and not bother to contact you. They lie about not receiving emails or documents. They'll try anything to avoid paying just to wear you down. We've had them for 5 years with zero claims, I can't imagine if it were a more serious health issue. Do yourself a favor and avoid Figo.
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5

out of 5

POSTED: | BY: Cycling Enthusiast

Good value & helpful support

Good value. Very helpful and professional. Easy to understand and navigate website and submit claims.
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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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