Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,607

  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: Ron and Wendy

Worry Free Health Care

We have 2 active Staffordshire Terriers that have access to 10 rocky/brushy acres In Colorado - needless to say our Figo insurance has paid for itself over and over. It’s been a great investment in our dogs’ health to not have to worry financially every time we go to the vet.
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4

out of 5

POSTED: | BY: Yvonne Bricker

I am disappointed that the rate went up…

I am disappointed that the rate went up the past 2 years and now my deductible is higher. If it increases again I will need to cancel my policy due to being on a fixed income as I am disabled.
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1

out of 5

POSTED: | BY: Gihee Yoon

I regret choosing FIGO

I regret choosing FIGO. With new underwriters, they are no longer covering allergy treatments for Norbi. They sent us a letter stating that previous claims were processed in error. They are taking 2 non-specific symptoms (red/painful ears) and claiming this is a pre-existing condition. His dx for that visit was otitis externa and he did get better with med for ear infection. Does this mean that if they can connect any future diagnoses with previous, non-specific symptoms they can deny these claims? It's upsetting that our dog may not be able to get the treatment that he's been doing well with AND FIGO has been paying.
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1

out of 5

POSTED: | BY: joseph jakubowski

I have the same complaint as every one…

I have the same complaint as every one giving this company a bad rating. My deductible went from 250 to 750 from my first to my second year with the company, This is clearly a bait and switch operation and once they have you, you have you. If you try to move to another company, everything that was claimed with FIGO is considered a pre-existing condition. They can blame their underwriters all they want. The result is still the same. You made the decision to radically increase your rates in one year. Stay clear of this company. They should be ashamed of what they are doing to their customers
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5

out of 5

POSTED: | BY: Gina Marie

Figo insurance = peace of mind

Figo insurance = peace of mind. I never worry about the cost of quality vet care because I insure my pets with Figo. The app is super easy to use and reimbursement is fast. Thanks, Figo!
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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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