Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,791

  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: TheeBandit

Submission of Multiple Claims

First off, I want to say thank you Figo for the speedy turnaround with our submitted claims. We had an emergency issue, a routine vaccinations/tests and a need for a vet visit for tummy issues. All toll, we had a good amount of fees. Our payment from Figo was more than half, always a fee or two not covered, but we are pleased with what we got back. I chose to have coverage for our pup because they can easily get into so many things, the outcome could be over the top for us. At this time it is worth the monthly fee.
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3

out of 5

POSTED: | BY: Michael Philip

Didnt cover the whole bill wondering…

Didnt cover the whole bill wondering why I have this now
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5

out of 5

POSTED: | BY: Debra

Uploaded our files

Uploaded our files. I was so surprised about the quick turnaround
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5

out of 5

POSTED: | BY: Marie

It was so easy and extremely quick…

It was so easy and extremely quick turnaround.
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5

out of 5

POSTED: | BY: Lorraine

Punctual reimbursement

Reimbursement process is very quick
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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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