5
out of 5
POSTED: | BY: CINDY
The policy is clear and easy to use.
The policy is clear and easy to use.
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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.
3
out of 5
POSTED: | BY: customer
Does not cover main needs
We have found that our policy does not cover nearly has much as we had hoped. We have had multiple vet visits not be covered due to pre-existing, but still struggle to understand how they are related. We also had part of a surgery that was not covered, due to it being preventative, but if the surgery would be needed in an emergency it would then be covered. If our policy goes up, we will most likely cancel due to lack of coverage.
5
out of 5
POSTED: | BY: Robert Bluni
Too bad people insurance isn’t run like…
Too bad people insurance isn’t run like Figo. Filed a claim and it was processed and paid within 3 days. Awesomeness.
2
out of 5
POSTED: | BY: Sarah
Not the Best
Takes a bit of time for turnaround and most EVERYTHING that you send in they state is out of policy. If you have puppy or older dog, I would avoid this insurance.
1
out of 5
POSTED: | BY: ammar
Impossible to get a claim paid
Impossible to get a claim paid. This insurance company is a scam. They claim pet's illness was prior to the end of the waiting period and it is not. DO NOT BUY THIS INSURANCE!!! I trusted them because of Costco and I will be complaining to Costco. They just take your premium and pay out nothing. I can't hate on them enough. One star is too much for this scam company.
Edit for Figo's reply. I chatted and called, and I kept getting the same canned answer and I was pushed off to sending an email to the "appeals" department. Based on the other reviews I know that would be a colossal waste of time. Honestly, the policy has covered every possible reason not to pay claims. If my dog got hit by a car there's probably a paragraph that says: "your pet rode in a car in the last 5 years so this is pre-existing" or "the accident happened while Venus was in retrograde, and Jupiter was rising therefore the injuries are not covered". I made sure the policy won't renew in October and I'm shopping around for an ethical company that doesn't rip off its customers.
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.