Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,834

  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: Cynthia

Happy and Disappointed

Figo looks at my claim and pays so quickly. One was in the same day for the approval and money in my account the next day. If more information is needed I am contacted right away. I am disappointed that my monthly premium went from $38 to $65. I put in 3 claims for the same problem since we had to go back to the vet 2 times after the initial visit. Afterwards the premium went up. When I asked I was told that it was due to my city and state that I live in. That the state makes the decision for the higher price. I think that it is funny that it went up almost double right after these claims.
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2

out of 5

POSTED: | BY: customer

Not impressed so far

I didn't have a great experience with the claim processing. It was hard to get all the medical records in and the submission process was handled in an automated way (i.e. lacking any personalization or sense that a person was on the other side).
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4

out of 5

POSTED: | BY: Bridgett’s Guardians

We have had no claims

We have had no claims, but would like Figo to cover part of the annual physical.
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5

out of 5

POSTED: | BY: Brandi

Online claims were easy and processed…

Online claims were easy and processed in 20 minutes!
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1

out of 5

POSTED: | BY: customer

Doesn't work well with Veterinary…

Doesn't work well with Veterinary office. False advertising on what is covered.
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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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