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.
2

out of 5

POSTED: | BY: Isis C

All insurance is a scam…

The price of the Wellness power up is not worth the amount of the refund versus the amount of out of pocket cost. For example, first ever vet visit (4 month old kitten), two vaccines, total of $95.99. I have the Wellness Plus package which covers $50 of vaccines. I covered $45.99 for vaccines this visit. I still have another round of the feline distemper shot to go (another $55.29), yet I’ve already reached my max in the very first vet visit in this kittens lifetime. So I will be paying an out of pocket total (JUST for vaccines) of $101.28. Yet I am paying $198 for a year of the Wellness Plus AND paying more than that out of pocket for completely necessary vaccines and more. After the ONE visit I’ve hit my max on vaccines, wellness exams, AND tests. Spent a total of $256.78 and only got $135 back…
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5

out of 5

POSTED: | BY: Ramy

Fast and easy claim!

Fast and easy claim! Love how everything is easy to use
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5

out of 5

POSTED: | BY: Pollo's Mom

It's so easy!

It's so easy! Figo makes it very easy to file a claim and the turnaround time to receive your refund is very quick. I'm so glad we got the insurance for our pup!
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5

out of 5

POSTED: | BY: Valerie

Easy invoice upload…quick payment

Easy invoice upload…quick payment
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1

out of 5

POSTED: | BY: katie

Not super happy

Our insurance recently renewed and increased $300 without any reasoning given or phone call from Figo. In the years that we have had the insurance, they haven't covered much and decline most of our claims. I get the insurance going up YOY due to the dogs age but $300 seems ridiculous especially given they don't really cover anything and deny our claims. They tried to do the same thing last year and I called and sat on the phone with them for two hours to finally get it down to $20 more vs. $300. So, looks like I have another long phone call in my future. Will be investigating other plans as well.
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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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