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.
2

out of 5

POSTED: | BY: customer

Ear infection is "pre-existing condition"!!!

My dog had an ear infection in August 2021 and went to see his vet in December 2022 for another treatment. In between these two visits, I switched my dog's insurance to Figo because I saw their ads in Costco magazine. Being a long-time Costco customer, I thought Figo would be a better pet insurance company. I'd never thought that Figo declined my claim because my dog's ear infection is a "pre-existing condition". If I knew, I'd never switch to Figo.
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5

out of 5

POSTED: | BY: Jeffery the cat

Figo is great

Figo is great ! Really like how easy it is to deal with, the broad selection of vets who take the plan, and not getting the run around for claims.
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2

out of 5

POSTED: | BY: Jennifer

I find that the coverage is lacking and…

I find that the coverage is lacking and even if submitting claims is easy, whatever you paid in premiums, you are better off just saving that much for when things go sideways.
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2

out of 5

POSTED: | BY: Catherine Card

I never used this insurance!

I never used this insurance! I didn't know how to use it or if it covered an appointment and it was renewed automatically! I wasn't planning on renewing. There should really be a manual on how to use the insurance.
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2

out of 5

POSTED: | BY: Daithi

Waiting to find a new pet insurer

Waiting to find a new pet insurer, these folks use every trick in the book to not pay our on claims. Steer clear, I will be
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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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