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.
1

out of 5

POSTED: | BY: Kayla Schaffroth

So disappointed

So disappointed! Totally scammy! My $750 deductible was not actually a $750 deductible. They would take out 30% of each applicable claim before applying to deductible. So instead of having to spend $750 to reach deductible, I actually had to spend more like $1000. False advertising and they know it! Would NOT recommend.
4

out of 5

POSTED: | BY: Cavalier mom

Figo processed my claim very quickly

Figo processed my claim very quickly and the website says how much they will reimburse me. I am a little disappointed that the percentage of reimbursement is lower than I expected.
5

out of 5

POSTED: | BY: Stephen McLaughlin

I have had a great experience so far

I have had a great experience so far. I’ve submitted 3 claims. Between deductible and copay, the first claim FIGO paid nothing. The second and third claims were each submitted and paid within a couple of days. I’m very satisfied.
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.
1

out of 5

POSTED: | BY: Judy

Seek coverage elsewhere

Typical insurance company, Doesn’t pay for much.

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.

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