Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,830

  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: DeniedPetOwner

Like large medical business they will deny your claims...

The first product or service I've purchased through Costco that I regretted. I'll be contacting Costco to let them know what a disappointment it is to be associated with this company. My claim was denied because of a "pre-existing" condition that I wasn't aware of. After years of paying for pet insurance, the first time I actually needed coverage it was denied. These companies are happy when you're paying your premiums but turn their backs on you when it's time for money to be paid back. The one time I actually tried to use this insurance they failed me. Avoid at all costs.
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3

out of 5

POSTED: | BY: Joanne Keohane

CLAIM REFUND

Took too many inquiries to reimburse claim. This was a simple yearly visit. Im not sure the cost of this insurance is advantageous for me to continue paying. Still deciding if I should continue coverage due to high montly premiums.
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5

out of 5

POSTED: | BY: Carrie

Get Figo

Get Figo! They were transparent, easy-to-reach, and they covered exactly what they said they would
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5

out of 5

POSTED: | BY: Michele Shakir

Figo is amazing

Figo is amazing, my two furry feline girls are seniors , and beginning last year, it has been difficult for both, vet bills are very high and One of my girls has a "team" of vets Figo has been very supportive and the majority of the bills have been well covered . I always tell friends and clients(i am pet sitter) that pet insurance is extremely important i always recommend Figo
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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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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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