Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,599

  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: Carol Burgos

Great work Figo!

I have had my dog, Bella, insured with Figo since I adopted her in 2016. I thought them a good company, but a recent situation proved how great they are. Bella ate supplements containing xylitol which is toxic to dogs. As it may cause liver damage or glucose levels so low as to be fatal, it is an emergency situation. She required immediate treatment and 24 hour monitoring. The 24 hour facility, a veterinary hospital, estimated the cost to be approximately $1,000 per day if there were no complications. I called Figo and explained the situation. The claims representative explained how I could and what would be required to submit a claim for each day my dog was hospitalized so it could reviewed and processed. Although my claims were submitted after hours, Figo processed each one within hours of the start of their business day. I was reimbursed for covered costs as expected less my deductible. I received my reimbursement within days. Excellent work, Figo, and a big thank you!
5

out of 5

POSTED: | BY: Sandy Ruiz

Couldn't Be Happier

The app is so easy to use and claims are processed so quickly. Couldn't be happier with this company.
5

out of 5

POSTED: | BY: Lauren Rodriguez

Satisfied Customer

I've been very happy with Figo. In the beginning, it went a little slow, but I received constant emails apologizing for the delay. Now, it's super fast and the claims filed which were covered were paid right away. I like anything that is up to speed with currently technology so I'm happy and so is my buddy Roman.
5

out of 5

POSTED: | BY: Mike

Very quick response time

Very quick response time, web site is very user friendly. Great company I would recommend to anyone with pets.
5

out of 5

POSTED: | BY: Jen Sentz

Very Pleasantly Surprised With How Easy & Pain Free Figo's Claims Process Is

I had been pondering health insurance for my two dogs, Frank & Pogo, for some time and spent literally MONTHS researching policies and checking reviews and comparing coverages. I decided on Figo and crossed my fingers that it could be as easy as the ads implied. To date, I have had to submit two claims for Frank (thankfully, none for his brother to date) and both times, the process has been simple and straight forward. The first claim, January of this year, was right around the time Figo experienced some growth and the claims process was moving a little slower than normal BUT Figo kept me updated from the time I submitted the claim until it was closed and communicated that they were in the process of expanding to lessen the time it took for claims to be reviewed. The truth of that was borne out on my next claim which I just submitted on 04/28/18...I actually got my payment for that claim TODAY. That was super fast & hassle free. Figo has excellent coverage options, including a 100% reimbursement plan which I opted for. The rates are reasonable, the app & website are FANTASTIC. I particularly liked that Figo does NOT offer a "wellness package" as I wasn't interested in coverage for routine visits but more for out of the ordinary expenses for my guys. This has turned out to be the perfect policy and perfect insurer for us. I have recommended Figo to everyone I know with pets and I wrote my vet an email last night and asked her to share my experience with other clients who were looking for insurance for their own pets (her office is a big proponent of pet insurance and have lots of info available on lots of plans but I thought some real life experience with Figo would be helpful to other pet parents.)

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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