Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,843

  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: customer

unapproved medical expenses

update: by the way, the vet wrote the rx shampoo as noticing slight inflamed skin around wrinkles, belly, paws figo responded… see inflamed skin. hence ear infection rejection must be a insurance claim dept language that considers face wrinkles belly paw the same as an ear infection … wow original post: adopted a 3mth old Frenchie 05-22-21 went to vet regularly for up to date shots and recommendation on rx shampoo, ear cleaner found and signed up to FIGO 1-10-22 Frenchie went to vet for ear infection 7-23-22/300$ and dew claw accident 7-26-22 10-13-22/$688 submitted claims to apply these invoices against deductible only 135$ fee was applicable to count towards deductible, out of a whole entire listing of fee breakdowns. amazing
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5

out of 5

POSTED: | BY: James

Once you get the account setup…

Once you get the account setup correctly, it's smooth sailing. Figo makes it so easy to file claims and help me take care of my pups. All the reps I've spoken with have been first class and seem to really care about my pups.
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5

out of 5

POSTED: | BY: Laurie

Thank You!

Customer service was fast and responsive. Very helpful.
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1

out of 5

POSTED: | BY: Julie

Canceled my account without contacting…

Canceled my account without contacting me. On thanksgiving night our dog had heavy blood from her rear end, rushed to Animal ER. To the point; After Maple’s final bill of $1000. Figo stated that our insurance had lapsed from a Citi Card Visa for no payment. We weren’t aware of the non payment “our fault”, and although Figo understood our situation they didn’t cover Maple’s medical bill, but was so nice to want to re-instate the previous policy and noted Maple’s new health situation would not be covered as it is now a reoccurring health problem. I learned that Figo and Company are only about saving money for the company and truly don’t care a hoot about the customer. Thanks for listening 😊
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1

out of 5

POSTED: | BY: Joe

Figo has denied every single claim

Figo has denied to help pay for every single claim we've ever submitted to them. No matter what the issue has been, they decide they have all been related to our dog having allergies, and that being a preexisting condition that she already had. Even our vet sent an email on our behalf to let them know that one of her issues was completely unrelated to allergies, they still refused to cover anything.
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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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