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.
2

out of 5

POSTED: | BY: Walter

Serious privacy concern

On paper, the plan looks good. In reality, we have been fortunate not needing it. I am rating Figo one star because it's website recommends me to activate third party cookies. Why my web browser needs to be tracked? The Claims webpage is a bit of a mess. The "File a claim" button is far on the right, out of your screen frame; You need to set your screen zoom level to 90% to get it in. The phone agent told me it was a puzzling issue. Still hanging on there!
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1

out of 5

POSTED: | BY: customer

I had an issue with my dog and not a…

I had an issue with my dog and not a dime of it was covered… I pay all this money every month and my dog started having seizures out of nowhere I take him to the vet and nothing was covered.
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5

out of 5

POSTED: | BY: JH

I will never have a dog without Figo…

I will never have a dog without Figo pet insurance. So far they've covered a $6,000 surgery to remove a tumor off of Annie. And then Aria had a tplo on her knee which was about 3,800 and 2 months later she needed one on the other knee! Figo pays my claims, and quickly too. Anytime I call in or email in everyone is always very nice and helpful.
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5

out of 5

POSTED: | BY: Rupa Kalidoss PaxTheLab

Love Figo

Love Figo ! Easy and transparent service and great customer support
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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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