Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,851

  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.
2

out of 5

POSTED: | BY: Brett Chesmar

Far too expensive for far too little coverage.

I'm canceling my policy. I started a Figo pet insurance policy in May of 2023 and got a discount using my Costco membership. Very disappointed with the very poor coverage made even worse by the expensive and ever increasing monthly premiums. We have submitted a grand total of 6 claims in 3 years. The claims were for visits costing us $1,443. We got a total of $302 reimbursed which is about 21% of the $1,443. In one year the premium went up 21%, and the next year it went up a very reasonable 3%, but this year it's going up over 10%. A total increase of over 37% in 3 years is far too much for far too little coverage. I gave it 2 stars instead of one for the ease of submitting claims electronically.
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5

out of 5

POSTED: | BY: Long Island

Such a reputable company!

I have had dogs & cats all my life and never had insurance before. I felt very comfortable going thru Costco to get Figo cause of their reputation. Figo has treated me and my pets amazing prompt and any questions immediately respond and payment in my account fast. Thank you!
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5

out of 5

POSTED: | BY: Morgan

Highly recommend! Especially through Costco

We purchased Figo pet insurance using our Costco benefit and highly recommend them. Figo has had our back throughout our dog's life! They are super responsive and always helpful when I have questions regarding our policy! They honor their policies and are usually quick to process our claims. We have been very happy with them :)
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1

out of 5

POSTED: | BY: Michelle

This company is a complete scam

This company is a complete scam. I submitted 3 claims that clearly show the itemized costs that I paid at the vet. They said that my claims didn’t show an itemized receipt so they denied my claim 3 times !!! The items are clearly stated so this is when I knew this business was a huge scam! Do not trust them! I will be telling everyone to avoid this insurance company at all costs !
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1

out of 5

POSTED: | BY: Alex

Paid thousands in premiums only to have all claims denied

We've been paying Figo for 4.5 years to insure our 2 dogs. No claims filed until one of our dogs needed to have 4 teeth extracted. Claim denied because of "pre-existing" even though the vet wrote a letter saying the condition started AFTER we signed up for coverage. Appealed to no avail. Why spend thousands on insuring your dogs to get peace of mind, and then find out you're denied and exposed when you need it most? It's like we just threw thousands of dollars at Figo for absolutely nothing – all claims denied, no peace of mind. We got zero value out of Figo. Really disappointed as I'd signed up through Costco, which supposedly vets vendors for quality. Check out their BBB reviews before buying Figo.
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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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