Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,655

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 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.
2

out of 5

POSTED: | BY: Tut’s fan

Wouldn’t choose again

Insured Tut as a puppy 5 years ago. When FIGO got a new underwriter it was like starting over with a new company. There was no customer appreciation. There’s never been a claim filed, not one. Cost rose from $218 to $360. Coverage & amounts have been seriously reduced. I was told “rates have increased because he’s older” He’s 5! He’s healthy! Unless he’s dead he will get older! I love my pet’s. Unfortunately I’m not liking figo
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5

out of 5

POSTED: | BY: Anne

Just submitted my first claim…

Just submitted my first claim reimbursement and it was promptly paid!
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5

out of 5

POSTED: | BY: Robert

Reminding us about renewal is a great…

Reminding us about renewal is a great service even though it was on our calendar. Thanks
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3

out of 5

POSTED: | BY: Douglas Kaanapu

Claims and Appeals Process Needs Improvement

Claims group should be much clearer and responsive when there is a question about a claim decision. Also, escalating an appeal, and giving the customer a direct contact much earlier in the process would be very helpful and reduce frustration. Apply common sense, when reviewing a claim or appeal as well.
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3

out of 5

POSTED: | BY: erik

The claim process was unclear and we…

The claim process was unclear and we did get paid but not completely
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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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