Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,791

  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: Karen

Beware…

I completely regret changing my dogs insurance to FIGO. If I had known that FIGO would refuse to reimburse expenses such as allergy shots and ear treatments, which my previous insurance covered, under the claim that they are “pre-existing conditions, I NEVER would have switched. If I could give zero stars I would. It’s not transparent or enough to claim that the “pre-existing” language is in their policy/paperwork. FIGO should be more transparent and clear an out the fact they won’t reimburse for ANY procedure your dog received prior to getting their insurance “coverage”. FIGO SUCKS!
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2

out of 5

POSTED: | BY: customer

The app and vet chat are fine

The app and vet chat are fine. Every time I went to the emergency vet i still paid hundreds of dollars because figo doesn’t want to cover most expenses. I would look elsewhere.
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4

out of 5

POSTED: | BY: Sandy Mayavskicustomer

I have been lucky and haven’t had a…

I have been lucky and haven’t had a claim for my dog. But, I am not happy about the increase in the premium. My dog is only three and very healthy but my insurance increased over 100.00. I think it’s sad because we try to take good care of our dogs but many people cannot afford expensive dog insurance.
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1

out of 5

POSTED: | BY: customer

I want to be able to change my…

I want to be able to change my coverage. The coverage I have did not cover what I was told it was supposed to. I can’t figure out how to do that. It’s confusing to use.
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5

out of 5

POSTED: | BY: Frank

Very professional and quick to answer…

Very professional and quick to answer questions. Claim process was quick and easy.
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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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