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.
2

out of 5

POSTED: | BY: Romulus Rabalais

loophole for everything. Just not worth it

Intentionally vague and misleading when you sign up, so they can have a loophole for everything to get out of paying. I had a 80% reimbursement policy for accident and illbess as well as 2 add ons for pt and alternative medicine. They paid me $50 for a $2000 er trip and are weasling out of every bill. Ex: apparently "alternative medicine" add on only covers NON-alternative medicines. So wtf am I paying extra for??? Literally cheaper to just pay the ER prices.
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1

out of 5

POSTED: | BY: Mishel

This is a scam

This is a scam. I trusted them because he works whit Costco but they don't pay you for claims. They use the excuse of pre existing condition. I canceled my policy.
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5

out of 5

POSTED: | BY: Carrie

Quick and transparent review and…

Quick and transparent review and payment of claims based on my policy. Very pleased so far.
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4

out of 5

POSTED: | BY: Bryce

Very convenient app platform

Very convenient app platform to submit claims with quick turn around. Theres been a handful of times I have contacted their customer service and have gotten quick replies back. My dog got very sick earlier this year and I was so appreciative I had pet insurance and it was extremely easy to submit and get money back through Figo.
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5

out of 5

POSTED: | BY: Terrytadd

For the time I was with Figo Pet Ins.

For the time I was with Figo Pet Ins., they made timely reimbursements and explanations, they were readily available to help by phone and in person. In the end, when my pet was sick, passed away and the bills were soaring, they made quick reimbursements. It was a big load off my mind. I have and always will recommend Figo Pet Ins. Thank you for making this tough time a little easier to handle.
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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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