Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,818

  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

So far my Figo experience is 100% negative

So far my Figo experience is 100% negative. I have submitted only one claim in over a year (2 pets) and that claim was denied incorrectly. The reason given was that “exam fee coverage was not selected at the time of policy purchase.” But it was. I wrote requesting clarification and have not had a response. I would appreciate a prompt resolution. Seems like an unwise time to ask me to write a review but I hope it will lead to a helpful response.
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5

out of 5

POSTED: | BY: Steohanie

Puts Us At Ease

Easy app. You pay for what you say you’re going to pay for. I would never operate on a reimbursement basis with human healthcare, but with you I know it will get covered and that I’ll get my reimbursements promptly. Never put in a bad spot. Also, our dog is alive because of your plan that covers up to $10k.
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4

out of 5

POSTED: | BY: customer

The app is super convenient

The app is super convenient. The terms have deemed to be quite upsetting though. My cat has gone through a lot this past year, and none of it was covered because of “pre-existing” conditions, but we were still in the process of figuring it all out. Thankfully we found the means to take care of her on our own, but it’s been a struggle. I guess it’s an industry issue, but I wish there was a company that would step up for the animals’ sake. It shouldn’t be a question of life or death because of money ESPECIALLY when they have pet insurance.
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5

out of 5

POSTED: | BY: Rubi

Very friendly and quick on claims

Very friendly and quick on claims
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5

out of 5

POSTED: | BY: Laurel

Worth the money

Always helpful and responsive. Trustworthy and give great peace of mind.
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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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