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: Anna Marie Arredondo

Complete bait and switch company

Complete bait and switch company. My pup injured her eye playing for the 1st time. It was not a genetic condition whatsoever. Figo denied the claim even though I had an eye surgeon confirm it was due to an injury in WRITING! Claim was denied even when contested they paid ZERO dollars. Cost me over $8k out of pocket not including after care. I was so distraught I didn’t cancel. Later my dog hurt her leg as she was getting up in the years at 13. It wasn’t a huge bill but around $1000 in care and meds. Claim denied! Why do I have insurance?! I had top tier insurance I was paying for all 3 of my dogs. I was spending nearly $400 a month for several years. I would’ve been better off depositing that money in a high yield savings account! I just now got around to writing a review. Wish I had made time sooner to hopefully save you so you don’t make the same mistake I did and lose thousands of dollars!
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5

out of 5

POSTED: | BY: Rebecca Rice

Figo Pet Insurance is the way to go

Figo Pet Insurance is so upfront and easy to use. So quick in processing claims
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5

out of 5

POSTED: | BY: PJ

Top rate!!!

Very simple to use!! A wonderful pet insurance to have!!
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5

out of 5

POSTED: | BY: Gary Bain

Actually I haven't needed to use this…

Actually I haven't needed to use this insurance but it's great to know if any of our "babies" need medical treatment I can afford to have them treated.
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1

out of 5

POSTED: | BY: customer

Didn’t want to cover my pet’s emergency…

Didn’t want to cover my pet’s emergency visit. Why am I even paying for the insurance?
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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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