Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,652

Updated: May 29, 2024

  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.
1

out of 5

POSTED: | BY: Jessie

Figo will deny every claim you make

Figo will deny every claim you make as a "pre-existing" condition and make you fight to get the claim made. They scour your pet's medical records for anything even remotely related to the claim and they deny based on "pre-existing condition". Then, when you push back they will straight up lie and gaslight you. They seem to intentionally make it as difficult as possible to get a claim approved so that you'll give up. Despite my cat not showing any past symptoms or diagnosis related to claims I've made they have denied them. Then, when I point out they are wrong, they changed their story. They have given me three different reasons for denying my claim. Don't waste your money on this scam of a company.
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1

out of 5

POSTED: | BY: Judy

Seek coverage elsewhere

Typical insurance company, Doesn’t pay for much.
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5

out of 5

POSTED: | BY: Derick

Awesome experience so far

Awesome experience so far. Easy to submit the claim and they reimbursed me within that week.
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1

out of 5

POSTED: | BY: customer

Failure to provide coverage on an…

Failure to provide coverage on an medical issue that isn't per-existing status.
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5

out of 5

POSTED: | BY: Patti Moody

Years ago we adopted sibling puppies

Years ago we adopted sibling puppies. When they were 4, the brother became suddenly ill and had internal bleeding. He was finally diagnosed with cancer and died a month later. It cost us $3,000 for ER vet and surgery to determine what was wrong with him. We were heartbroken to lose a pup that young. We would have bankrupted ourselves to save him but nothing could be done. We bought FIGO insurance for his sister. The next year, she had the equivalent of a torn ACL. The surgery and care cost $6,000. I expected pushback from the insurance on some technicality. THERE WAS NONE! I paid my $750 deductible and they paid the rest! It was a great experience and our pup is fine now. Our new puppy is covered by FIGO now too.
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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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