Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,856

  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: Daithi

Buyer Be wear

Buyer Be wear. I've had this insurance from them on my dog for a few years and they have denied all claims siting , lack of coverage and pre-existing conditions. They are a scam organization. you have been warned.
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5

out of 5

POSTED: | BY: Rob

Clear process for submitting claims

Clear process for submitting claims. Clear what is covered and what is not and why. No guessing.
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1

out of 5

POSTED: | BY: Sasha Dev

Terrible

Terrible. Don’t be fooled with Costco discount and low monthly pay. Their response times and pay out times take weeks. They ask for too many documents that other insurance don’t. Adjusters find loopholes not to pay you the 80% they promised during policy signing.
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1

out of 5

POSTED: | BY: Patty Reid

Figo Pet insurance is terrible

Figo Pet insurance rejected my claim and classified the vet office visit for a limping dog as ‘non veterinary services’ I have appealed. This will be my second appeal this year, I think they just reject every claim and hope you won’t appeal. My first appeal (2/26) was because my puppy wellness visit included talk about golden retriever allergies, then 6 months later, when he was 8 months old, and I brought him in with an ear infection, they claimed he had pre existing allergy condition. A dog that has never had an allergy problem, they also told me I would never get allergies covered for him ever again. Nice. I can wait to look for new insurance!
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3

out of 5

POSTED: | BY: Jessi B

I wish I chose elsewhere

I am not a fan of this company and now my dog has a pre-existing condition and wish I would have gone to the company my other dogs have. They do not cover nearly as much and they also take much longer to do claims.
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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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