Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,793

  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: Kelly Suzanne

disappointing service

Very disappointed in this company after seeing top reviews. They decided to not pay for a claim, stating the dates of onset of my dogs illness fell inside of the initial waiting period. In the vets records, the onset of his symptoms is recorded as 5 days after the waiting period ended, but FIGO denied claims stating symptoms were 9 days earlier, and this is documented nowhere in my dogs records. It took 2 weeks for them to come to this conclusion. Be careful to understand that there is a difference between when your dogs policy begins and when it actually becomes effective, and know that the company will make false or unsubstantiated conclusions in order to not pay claims.
5

out of 5

POSTED: | BY: Norm LaBrasca

The Best in the Industry!

If I could give 100/100, I would!!! Outstanding Customer Service, quick and easy claims process, and they show genuine care for my pet!!!
4

out of 5

POSTED: | BY: Ira

I love talking to the Customer Service Reps. They are amazing!

Have had a great experience with Figo!
5

out of 5

POSTED: | BY: Frank Roschel

Premiums are acceptable and ease of filing claims

Bailey receives the best care we can provide him and FIGO supports that goal. Reasonable rates and ease of filing claim
5

out of 5

POSTED: | BY: Christopher Thomas

Super Fast and Easy!!

My pet unfortunately was very sick and the Doctors couldn't figure out the cause. Test after Test the bills kept stacking up. I was worried that I wasn't able to afford my dogs care but thankfully Figo insurance kicked in and saved my dogs life. The claim was made and I was paid almost overnight. It was incredible! Thank you Figo for being a champion for our four legged children!
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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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