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.
Overall, FIGO seems like a great deal for decent pet insurance. Blows the competition out of the water. In reality, it's extremely difficult to get anything to apply to your coverage. I am a benefits specialist, and very familiar with reading benefit plan documents and interpreting coverage. There has been many instances where my pet's condition/injury/illness may have been covered but were denied. After going through the claims dispute process, I still wasn't satisfied with FIGO's rejection. I renewed coverage for a second year out of convenience. I will continue to consider other pet insurance options in the future. That said, I hope FIGO still proves to be of some value.
I experienced the same frustrations and failures of service that many, many, many other customers have experienced with Figo Pet Insurance.
It is amazing to me that, having had so many complaints about the same issues, over and over again, Figo continues to act in a purposefully misleading manner and continues to fail in providing customer service.
First, “pre-existing condition” seems to mean “your pet was alive when you got this insurance” and they simply flat out refuse to cover any medical issues at all. I have attempted to make 3 completely justified claims, all clearly allowed by my policy, and Figo has given the same reason for denying my claim all three times: not allowed due to a “pre-existing condition.”
The key example is that my dog had to have two teeth removed, $1,300 for each tooth, for a total of $2,600 in fees. My insurance has a $1,000 deductible, so I was assuming I would get $1,600 back. I submitted my claim and, within a few hours, received my rejection due to “pre-existing condition.”
Figo indicated that a vet examination (WHILE my dog was covered by insurance) identified a fracture on ONE of the teeth, but not the other. IF I am willing to accept that this one tooth wasn’t covered (due to the vet identifying a “likely carnassial fracture,” even though my dog was still covered by insurance), then the other cracked tooth SHOULD be covered since it was NOT identified by the vet during the previous exam.
Yep, you guessed it, Figo rejected my claim for BOTH teeth, citing the vet report. Basically, my dog was not covered for ANY dental emergency of any kind because he had ONE problem with ONE tooth previously. An absolute joke, and a clear case of fraud.
After multiple attempts at communication with Figo customer service, they essentially just copied and pasted the same response back to me…ie… “pre-existing condition, pre-existing condition.”
FIGO insurance will make every attempt to refuse a payout if they can and will use “pre-existing condition” as the excuse.
This insurance is a complete waste of money; not only am I out the money for my pet’s treatment, I am also out the premiums for this 100% useless pet insurance.
Read the reviews online carefully and you will see the complaint over and over again. FIGO pet insurance does NOT payout, they look for any reason to claim “pre-existing condition” and then reject your claim.
5
out of 5
POSTED:
| BY: Karen
Quick to process claims and send check
Quick to process claims and send check. Policy are easy to understand
Complete bait and switch company. My pup injured her eye playing for the 1st time. It was not a genetic condition whatsoever. Figo denied the claim even though I had an eye surgeon confirm it was due to an injury in WRITING! Claim was denied even when contested they paid ZERO dollars. Cost me over $8k out of pocket not including after care. I was so distraught I didn’t cancel. Later my dog hurt her leg as she was getting up in the years at 13. It wasn’t a huge bill but around $1000 in care and meds. Claim denied! Why do I have insurance?! I had top tier insurance I was paying for all 3 of my dogs. I was spending nearly $400 a month for several years. I would’ve been better off depositing that money in a high yield savings account! I just now got around to writing a review. Wish I had made time sooner to hopefully save you so you don’t make the same mistake I did and lose thousands of dollars!
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.
