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: quinn

Terrible customer service

Terrible customer service. We set our account up for auto renewal. They apparently changed payment platforms which stopped us from auto-renewing within our first year of service, and let our account expire after sending us two emails (one of which told us WE HAD AUTO-RENEWED). They told us our only option was to start a new policy, which would restart our waiting periods for serious injuries. Decided to switch providers after this terrible experience.
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1

out of 5

POSTED: | BY: Adam Rizzieri

Every excuse to NOT pay your claim

Every excuse to NOT pay your claim. In the past, we had much better experience w/ Nationwide's pet health coverage for a pet that has since passed away. The claims department at Figo make every excuse to deny your claims. They will drag your claim out over the course of several months, suggest that you appeal an unjust denial, and then deny it again. Even the Figo phone rep agreed that their policy sets the customer up to fail and defies veterinary science. I highly recommend going with Nationwide pet coverage over Figo. We had a much better experience with them with one of our now deceased pets. Nationwide paid out claims promptly and without the painful experience that we have experienced with Figo.
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5

out of 5

POSTED: | BY: Lisa

Just renewed for a second year of Figo coverage

We were skeptical about Figo because other pet insurance had been recommended by our vet. But we were hoping that the Costco name would mean quality. We definitely were correct--and are very happy with our Figo experience--particularly with the claims we have had to put into because of our 3.5lb pomeranian's broken leg (which definitely required specialist care). Figo has been professional and efficient and didn't even question our claims. We just renewed both of our pom's Figo policies.
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1

out of 5

POSTED: | BY: customer

Uses preexisting for hereditary issues don’t insure with them

My dog Teddy had kennel cough when we adopted him. He saw the vet 5 times for treatment. During that time the vet made notes on observations unrelated to the treatment. When Teddy had surgery for a French bulldog hereditary issue the company said pre existing. The insurance is useless unless your pet is involved in an accident and even then given their track record they would probably try to find a way to reject the claim. Don’t insure your pet with them
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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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