Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,877

  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.
5

out of 5

POSTED: | BY: Nancy Lemay

Great Overall Experience Including Filing Claims

Fantastic experience from enrolling to filing claims process. I had selected Figo Insurance after doing a lots of research on insurance providers and I have no regrets. I enrolled immediately after getting my kitten. within the first year, I had to file 2 unexpected claims for my baby cat. I provided exactly the documentation Figo requested ( including the medical notes from the vet) via the phone application. It was very fast turnaround process and get paid quickly. At the same time, I renewed my second year insurance policy which stays pretty much the same. I am very happy with Figo and very happy with my choice.
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1

out of 5

POSTED: | BY: C Adams

Figo really let our family down

Figo really let our family down. They go out of their way to not pay on your claims, even going against what the treating vet has documented. Our vet was so upset she even contacted them directly and they still won’t pay the claim. Do not waste your money.
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1

out of 5

POSTED: | BY: Arsalan

I got this insurance thought it’s…

I got this insurance thought it’s Costco they have good customer service but they never paid any of my bills I send the bills but no credit they always ask you to take your pet to vet first and send us the bill it’s all lie.
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3

out of 5

POSTED: | BY: Benjamin

I purchased premium everything

I purchased premium everything. Would more reasonable if actual coverages aligned more to very normal costs of common items. Disapointing to have the first very standard appointment be covered under premium plan at about 1/3 total cost.
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1

out of 5

POSTED: | BY: Jose Rodriguez

Claim was DENIED! Figo will work hard to Deny claim

Claim was DENIED! My pet became ill took him to Vet, Payed $750 to Vet. Submitted receipts to FIGO. But Figo denied claim. The reason? “Pre-existing condition” My puppy had diarrhea in Dec 2021 due to getting my pet accustomed to correct puppy food. In 2022 he was in contact to other sick dogs at park. He came down with diarrhea. FIGO Denied claim for pre-existing condition! Ridiculous!
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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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