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.
5

out of 5

POSTED: | BY: Mark Wiseman

Quick and easy claim submittal process

Quick and easy claim submittal process, quick response also with breakdown of what payments cover. Received payment with-in 3 days of submittal. The previous insurance we had took 30 days for reimbursement. Thank you FIGO for making things so easy.
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4

out of 5

POSTED: | BY: theoak

Annual premium Increases

I have not had the occasion to need to use the insurance, luckily the pets have been healthy. However the increase each year is getting intense especially without any claims being submitted and covering multiple pets. The site is easy to use at least but second thinking continuing due to the annual increased cost.
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5

out of 5

POSTED: | BY: customer

Figo is fantastic

Figo is fantastic. They helped so much when our pup became sick with cancer and needed treatments. I loved that I talked to a real person when I called with questions.
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5

out of 5

POSTED: | BY: Kelsey

My dog’s insurance needed an appeal…

My dog’s insurance needed an appeal from a vet. It was extremely easy and was approved because I had the proper evidence to prove I was telling the truth. The Figo representatives who helped me were extremely understanding and respectful to me as we were going through a hard time. My dog needed an expensive surgery and thank the Lord the insurance covered it. My family is so grateful. Thank you so so much. Truly cannot express our appreciation.
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1

out of 5

POSTED: | BY: L R

Another SCAM insurance company

Another SCAM insurance company. I’ve paid for my dog to be insured through them for 3 years without a single claim. After the first year, they increased my payment and increased my deductible from $250 to $750 without my approval. I kept paying. Then, my dog got hit by a car and had serious injuries that required surgery. This pathetic scam insurance company is trying to deny my claim and is not paying me!! There excuse is that they don’t have “enough information”. I’ve provided itemized bills, receipts, copies of labs, X-rays, vet notes, post op instructions. There is literally nothing else to give them. This is just a BS excuse to try to avoid paying me. What a scam.
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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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