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: Benjamin

very mediocre to kinda lousy service. ok product.

Their web experience is a mess with contradicting information in many places between blogs, marketing, and how people respond in support and on the phone. You sign up at figo, but don't return their to login - separate URL which is odd, and not even a login link from the marketing website. I've had support emails answered in 10 minutes and go unanswered over 5+ days. Their wellness package is OK, but the premium package on a plan should cover more than 50% of things like totally standard vaccinations at standard prices.
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5

out of 5

POSTED: | BY: Barbara

Process was easy with step by step…

Process was easy with step by step details.
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5

out of 5

POSTED: | BY: Jade Stephenson

Fast and easy claims

Fast and easy claims
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5

out of 5

POSTED: | BY: Oliver's Mom

Avoid the hard decisions and get this coverage!

After watching our daughter spend over $5k on emergency services for her dying kitty we realized it wasn't a situation we ever wanted to be in. The yearly fee is very reasonable and provides a welcome peace of mind.
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1

out of 5

POSTED: | BY: Leslie Douda

Figo hides all of the tiny printed…

Figo hides all of the tiny printed details in their policy information. Essentially what it says, when I finally found it is that in the first 6 months of coverage,( in my case a 10 week old puppy) everything is an exclusion including anything orthopedic, gastrointestinal and skin related. That is basically EVERYTHING! If you make a single claim in the first 6 months, it is considered a pre-existing condition and therefore will NEVER be covered again in the pups life. This insurance is a SCAM. The policy was $104 and I paid for 9 months before I read the other reviews and realized how useless this insurance is. CANCEL NOW!!
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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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