Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,876

  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: Deborah McLaren

I have paid for Figo insurance for my…

I have paid for Figo insurance for my dogs two years without a claim. As a condition of purchasing this insurance all medical records from the last 2 years were submitted. I faxed several invoices recently for the year from the same vet for my 13 year old dog. Nothing major. Blood tests due to recently elevated liver enzymes. An eye infection. I was told I had to supply the name and number of my dog’s breeder! Supply dates for every specialist Rudy had ever seen with chart notes. To top it off I was given 3 days to supply this information to keep the claim open. Figo is the same as every other pet insurance I have tried. They deny every claim. Too bad there is no regulation of this industry. My advice is to save the money you would have spent on pet insurance to use if need arises.
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5

out of 5

POSTED: | BY: BettyOD

Service from staff has been great

Service from staff has been great, Only complaint: I've had this insurance for years and it was reasonable. Then FIGO switched providers in 2019 and the monthly fee doubled. Not such a great deal anymore. Can't switch insurance because of pre-existing condition.
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5

out of 5

POSTED: | BY: Greg

Claim was easy to file and quickly resolved.

Claim was easy to file and quickly resolved. I wish all insurers were this easy to work with.
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5

out of 5

POSTED: | BY: Usha Narayanan

Can’t ask for more

Excellent customer service. My claims took just few hours to process. Top class platform. Transparent pricing. Can’t ask for more. Every pet owner should have a pet insurance and that too with Figo.
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4

out of 5

POSTED: | BY: HP

Better than most

The only negative thing I have to say is the bait and switch practices Figo uses. They get you with the low price the first year and then they increase it substantially afterwards. Other than that they are pretty quick in reviewing and paying out.
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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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