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: Pam

We are very pleased with Figo…

We are very pleased with Figo Insurance. Our young Australian Shepherd male had a rough year with three medical issues and we were so happy we had signed up with Figo. Our claims were processed very quickly and payments occurred shortly thereafter. I have told everyone how incredible Figo has been for customer service, claim processing and payment response.
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1

out of 5

POSTED: | BY: BBJ86

HAS NEVER COVERED ANYTHING

We purchased FIGO two years ago for our two golden retrievers. In that time we submitted THREE claims. All were denied because apparently and ear infection is a pre-existing conditions. Their claim specialists comb through your records and since one of my dogs had an ear infection TWO years ago I guess that counts as pre-existing. I just took my younger golden to the vet because she had terrible diarrhea for 3 days, was not eating and was dehydrated. The vet ran numerous tests to determine the cause. I walked out with a $1100 bill. Submitted a claim. FIGO denied it all. Hence the reason I’ve canceled my pet insurance with FIGO. Will be looking into more dependable and honest options.
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1

out of 5

POSTED: | BY: customer

Rejected AGAIN and very disappointed

I'm very disappointed with the rejection of my claim. I filed a claim for my pet's ear infection and it was rejected due to prior ear infections. That was just not true! She went in to have her ears looked at once before and they were fine. I was given dog ear wash because my dog likes to swim and I wanted to make sure she didn't get any ear infections. She also had a little rash when we got her and Figo claimed that she had allergies (because of a baby rash). She does not or has never had allergies! That rash went away immediately after we got her home. Good luck getting any kind or payment from Figo. I went back to the Vet and got additional information and it was still rejected.
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2

out of 5

POSTED: | BY: Andrea Hermer

Is this insurance worth the price???

I’m not sure why I purchased this insurance; it doesn’t seem to cover much at all
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1

out of 5

POSTED: | BY: MN Dog Lover

Absolutely not worth it

We will be canceling our insurance very soon. What Figo “covers” is almost a joke. We pay over $100 per month for our two dogs. They covered only $90 of their routine, annual visit (which cost us almost $1000) despite us paying for the advanced wellness plan. Their limits are insanely low - $45 for exams, something similar for teeth cleanings. How does that help at all? Teeth cleanings in our area range from $600-$1500 for a single dog. Oh, and they’re relentless about “pre-existing conditions.” They denied our recent visit to the vet, where we found out our dog has gingivitis, because there were notes in older visits about her having plaque. We’re better off just putting the money we’re throwing away on this insurance into a savings account to pay for these things ourselves.
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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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