Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,501

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.6
  • 4.4
  • Count
  • 1
  • 5
  • 2,501

Updated: November 13, 2023

  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: Lea

Terrible customer service

I have had the insurance for 3 months, and the customer service has been atrocious. Getting insurance coincided with quite a few vet visits. I have filed 3 claims over these months, and the first one took over a month to process. The other two still haven't been processed (it's been almost 2 months since I filed one of them). When I've emailed them, it has often taken 4+ days for them to respond. Over text as well, they have been super slow to respond. And let's not even mention chat, sometimes I click to connect and it takes over 30 minutes for a rep to respond. I hope the coverage will be fine, but so far it's been super frustrating dealing with them.
1

out of 5

POSTED: | BY: anna

They are the worst, unethical.

I would give ZERO if I could.. Please please please, listen to the negative reviews. This company is awful, they turn words around, they are rude, they are not forthright on purpose. They quote their cancellation policy constantly and make sure the 30 days to cancel is well past your deadline before you can discover how awful they are. They are keeping $116 of my dollars due to the fact that I cancelled after the 30 days. I HOPE THEY ENJOY THE $. (This is after months of trying to get claims processed) They claim my Vet's office (who by the way has high scoring reviews everywhere) never sent them the info they needed, this after my Vet's office swore the faxed numerous times. NUMEROUS This is also after numerous RUDE calls. They want to talk over you, they forget you are the client. I can't waste any more energy on this company, a manager finally called me, I'm not bothering to call back, her message noted their cancellation policy, really? Not the fact that I was lied to numerous times, I WAS.. By the way, they miraculously received EVERYTHING from my Vet (I also sent it, not sure what they are talking about) a few days after I cancelled my policy, so now my claims are null & void. Do not use this company, they are spin masters and amazing at it. Please please, believe the bad reviews, and there are many, everywhere. DO NOT USE THIS COMPANY. Find one that treats you with care, not one that has nice telephone music while you hold on for 20 minutes. One of the worst companies I have ever dealt with.
1

out of 5

POSTED: | BY: ANN

Same review as I posted on YELP-

RE: FIGO RESPONSE. THE RESPONSE THEY SENT WAS AS TRANSPARENT AS CAN BE. REFUND MY MONEY FIGO. ALL OF IT. YOUR YELP REVIEWS PROVE ALL I HAVE SAID... Same review as I posted on YELP- STAY AWAY I would give ZERO if i could.. Pls pls pls, listen to the negative reviews. This company is awful, they turn words your around, they are rude, they are not forthright on purpose. They quote their cancellation policy constantly, CONSTANTLY and make sure the 30 days to cancel is well past your deadline before you can discover how awful they are. They are keeping $116 of my dollars due to the fact that I cancelled after the 30 days. i HPE THEY ENJOY THE $. (This is after months of trying to get claims processed) They claim my Vet's office (who by the way has high scoring reviews everywhere) never sent them the info they needed, this after my Vet's office swore the faxed numerous times. NUMEROUS This is also after numerous RUDE calls. They want to tlk over you, they forget you are the client. I cant waste any more energy on this company, a manager finally called me, I'm not bothering to call back, her message noted their cancellation policy, really? Not the fact that I was lied to numerous times, I WAS.. By the way, they miraculously received EVERYTHING from my Vet (I also sent it, not sure what they are talking about) a few days after I cancelled my policy, so now my claims are null & void. Do not use this company, they are spin masters and amazing at it. Pls pls, believe the bad reviews, and there are many, everywhere. DO NOT USE THIS COMPANY. Find one that treats you with care, not one that has nice telephone music while you hold on for 20 minutes. One of the worst companies I have ever dealt with..
5

out of 5

POSTED: | BY: Edward

Very Satisfied Customer!!!! Very Awesome Pet Insurance!!

I thought all pet insurance were the same until I was introduced to Figo. I have tried two other pet insurance companies prior to Figo. The difference is Figo offers a generous coverage, affordable, and very convenient. I filed 2 claims, and the claims processing was closed within 2 days. Took a pic of my paid invoice, and answered a few questions, and press submit. That easy. I recommend Figo to all my friends with pets.
1

out of 5

POSTED: | BY: Jake Matthews

Horrible Customer Service and Very Slow Claims

Warning. Stay away from Figo Pet Insurance. They are a scam. Their customer service is horrible and they process claims very slowly. I was told several times that they are experiencing high claim volume and they are hiring more people to handle it. I was also told they are growing too fast and are experiencing growing pains. This is not my problem. I have asked several times to speak with a supervisor and there is never one available. I pay my premium on time every month and expect my claims to be processed in a reasonable amount of time. Maybe they should slow down and focus on their existing customers. At this rate they will be out of business from all their unhappy customers. I wish I never signed up with them. There are lots of other pet insurance companies out there that you should consider. I will be cancelling my policy and getting a new policy with another company. Figo it is time for you to GO out of business.

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 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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