Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,815

  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: Michael

9+ years of appreciation

I’ve had figo for approximately 9’years now. They have allowed for me to provide outstanding care in supporting my dog through his battles with irritable bowel disease, behavior issues and more. Because of figo, we’ve been able to work with a team of vet experts (nutrition, internal medicine, vet behaviorist) to provide him a quality of life that would not have otherwise been possible. While I wish I didn’t need to see the vet as much as we do, I am eternally grateful to figo for being there to support us every step of the way.
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5

out of 5

POSTED: | BY: Oscar

Claim process was easy

Claim process was easy, FIGO reviewed the claims promptly and payment was also very prompt.
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1

out of 5

POSTED: | BY: Daphne Lyketsos

TOTAL SCAM- USE A DIFFERENT COMPANY

TOTAL SCAM! Horrible service- look elsewhere. They rarely pay out on claims, if they do its a very small amount and oftentimes find reasons to not count payments towards your deductible. My dog has IVDD and this insurance policy (Secured when he was a puppy long before any problems) has been next to useless. I have wasted thousands paying on this policy monthly that they have DOUBLED since he started having medical issues. Also, I work in the field of online reputation and it's so blatantly obvious which reviews on this site are "fed" i.e, they specifically invite the few who have good experiences via email to write a review. Don't trust those, and notice how they only reply to /address positive reviews.
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1

out of 5

VETERINARIAN: All Pets Animal Hospital

POSTED: | BY: Yuri

The inception of the policy was anything but smooth

This policy was supposedly a VIP policy for costco members. They could not correct the address. Two phone calls placed to customer service resulted in wait times for over 8 minutes each. Hold times for info another 10 plus minutes. Received several emails asking for records and a waiver that would cost money for an office visit. This is probably the worst member deal at Costco. I have cancelled this policy by day 5. The representative would not refund the $15 enrollment fee. I could only imagine how awful the service would be after the 30 day mark. Shop around.
5

out of 5

POSTED: | BY: Tavia

Figo has been an absolute life saver

Figo has been an absolute life saver. My dog is my life. And I vowed that I would never be put in a situation that I couldn't save my dogs life due to money. Figo made that possible. Figo has made giving my dog the most excellent care possible. They are fast, efficient and most of all. Care. I have been with them going on 4 years. They gave me the ability to give my dog life saving care and not go into financial ruin. I can walk through life knowing Figo will save me/ my dog, need be. I refer them to everyone and always will. Stella and I couldn't be more thankful for Figo. I cannot say enough good things about this company. From coverage, to reimbursement, to freedom of choosing specialists ect. 10000/10.
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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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