Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,599

  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.
5

out of 5

POSTED: | BY: Lesley

Submitting the claims is easy and Figo…

Submitting the claims is easy and Figo processes the claims fast, which in this day and age, fast reimbursement means a lot for this "unexpected expense." So far, my experience has been great.
5

out of 5

POSTED: | BY: Genevieve

Very happy with the experience with…

Very happy with the experience with your your insurance. Thank you for your caring attitude. You’re exceptionally fast. I appreciate you. Thank you very much for caring for Zoe and Molly. Sincerely, Jenny Artman.
1

out of 5

POSTED: | BY: Anthony Franco

I'm not understanding of your fixed dates per the policy versus real needs or change in scheduling.

I'm not understanding of your calendar, or policy renewal versus when medical attention is needed. Additionally, when you have puppies sometimes it is not a year before the vaccinations as the first ones are needed ASAP. then the next ones start the annual schedule. You could clearly see that they will not be redone until the following year. While you may say yes dates are correct who is going to remember --- Oh let's see is this one a policy renewal date or one full year. It is in the animals best interest to do as required. I am not going to bore you with the required detail you ask in how to write a good review. You can just look in our records and as I expect you will write a rebuttal stating the policy terms. Totally okay with that however that does not change your interpretation of what and when things are needed. I am seriously considering cancelling as my investment with your company has not been beneficial as you profess it to be.
1

out of 5

POSTED: | BY: customer

Feedback is non-existent and…

Feedback is non-existent and information, to begin with, is vague and incorrect.
5

out of 5

POSTED: | BY: Rene

claims treated expeditiously…

My claims were treated expeditiously and outcome was clearly explained.

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.

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