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: Jill

Multiple issues with Figo

Multiple issues with Figo. My claim for one of my dogs was denied as Figo claimed it was an existing condition although my dog had never had a blood blister/scab on the middle of his back. A cyst was found under the scab. No where in his medical history did he have a blood blister/scab on the middle of his back with cyst. Furthermore, Figo has made it very difficult to get my claims paid out. Claims paid in the past were easier to get paid out than recent claims with the same and/or less documentation provided. It appears Figo doesn't like to pay claims once they have paid a large amount of money associated with claims.
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5

out of 5

POSTED: | BY: Leslie E Wright

Quality Pet Insurance

Both of my cats have had to have surgery in the past year. Figo makes filing claims easy and pays quickly so that I don't have to worry about being able to afford quality healthcare and procedures for my babies.
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5

out of 5

POSTED: | BY: Richard

Figo reviews claims and sends out…

Figo reviews claims and sends out reimbursements very fast.
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1

out of 5

POSTED: | BY: D. Wemple

It’s a scam - stay away

Stay away from this “service” it’s more of a scam than anything. They do everything in their power not to pay and even for the most obvious issues. Delay, delay, then deny, deny. Makes United Healthcare look like a good option.
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5

out of 5

POSTED: | BY: Steven

GREAT app and experience

It is very easy to submit a claim using the Figo app. When the claim is completed, you receive a full breakdown of cost and a detailed explanation of all adjustments.
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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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