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: Manhattan Villager

Stay away from FIGO!!

Stay away from FIGO!!! As a long time policy holder, please value my opinion and choose a different insurance provider. Since the company recently switched underwriters, they are now trying to avoid paying “ALL” claims, making their policy holders “fight” for every claim moving forward. Figo has become a giant scam, finding every excuse to no-longer pay claims. If you “truly care” about your pets well-being, “do not use FIGO”!! The more claims the company can reject, the more money the company can accumulate, at the policy holders expense. At a time where many people are struggling to make ends meat coming out of this pandemic, Figo has chosen to take advantage of their less fortunate policy holders, extracting all the dollars they possibly can. Do not go with FIGO!!!!
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5

out of 5

POSTED: | BY: Nandini Mankar

Very Happy with Figo !

Excellent representatives. Very helpful and knowledgeable. Reimbursement is fast and no hassle
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5

out of 5

POSTED: | BY: David S

Very happy with Figo

I was skeptical about getting insurance for my cat. After some research I chose Figo. So far I am very happy with them. I put in 2 claims and both were paid in a timely fashion. When I had to call to ask about a claim the representative was very nice and helpful.
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1

out of 5

POSTED: | BY: Leviticus :

Hidden in their policy is that if a dog…

Hidden in their policy is that if a dog has a repeated problem they will no longer cover it. Left me high and dry with a $1600 bill for foreign body. Very disappointed and would’ve gone with somebody else
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2

out of 5

POSTED: | BY: Becky Lantz

They were great until they tripled my…

They were great until they tripled my rate for no reason other than they got a new underwriter
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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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