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.
1

out of 5

POSTED: | BY: Kendra

$4000 worth of claims and $0 given

We submitted almost $4000 worth of claims, related to our dog getting sick a few times & having to have surgery that cost much more than initially thought. Figo insurance didn’t cover a single dollar. We pay almost $60 a month and to not have anything covered - including sickness, exams or medicine related to that sickness, and a specific surgery required - feels like a scam. Do not purchase Figo! We will be cancelling and finding another insurance that actually helps cover unexpected fees related to the care of our dog.
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5

out of 5

POSTED: | BY: Brad Chesson

Easy!

Easy paperwork process, fast service on sending the reimbursement.
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2

out of 5

POSTED: | BY: Norm Susser

I appealed a decision

I appealed a denial of benefits. On 12/20, that appeal was denied in spite of my having submitted doctor's notes that the condition treated was not pre-existing. This does not make me feel like Figo is a good insurance company or that the company has my back.
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5

out of 5

POSTED: | BY: Michele

Easy to submit claims

We are new to pet insurance and Figo was easy to submit a claim.
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1

out of 5

POSTED: | BY: Anonymous

Not a “best for pets and people”…

Not a “best for pets and people” company - an insurance company through and through.
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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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