3
out of 5
POSTED: | BY: Steven
I have not used Figo yet
I have not used Figo yet. Unable to comment on their service. No experience yet.
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4.4
out of 5
Number of reviews 2,655
Updated: May 29, 2024
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: customer
It covers almost nothing at a steep…
It covers almost nothing at a steep price.
5
out of 5
POSTED: | BY: Afchine
Claim process seems much easier than I was anticipating
Customer support when calling them are very nice and informative. They will help you through the entire process of understanding. The online claim process was also much easier than I ever thought. And fast! Got two claims processed within 12 hours.
3
out of 5
POSTED: | BY: Customer
Not very happy with Figo Pet Insurance
Claims are confusing in the system. They duplicate and combine services even if they are in a different invoice. There are items that insurance does not cover even if they are related to an illness like Veterinary Exam Fees for cancer, so it is a surprise that more money is coming out of my pocket. First claims took weeks to get processed because it was missing a little information that could be resolved very easily if I knew what they wanted. They do not respond to emails when questions are asked. The two representatives that I have talked to are very helpful, but it looks like the system answers for them (they are working from home) and I can hear the family conversations for a few minutes before they answer the call. With a $10,000 coverage, 20% co-pay, and after the $500 deductible, I'm still paid about $4,000 out of my pocket for the first year not going over the $10,000 coverage.
3
out of 5
POSTED: | BY: Judy L
Reimbursements should be paid without so many limits or exclusions.
I think wellness benefits should be higher. $50 for immunizations is not enough. Overall most things are not covered high enough. Prices have increased for vets substantially.
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.