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.
Unacceptable sudden and steep increases in premiums
I, like several other reviewers here, recently experienced a huge increase in premium (3x), an increase in deductible from 200 to 500, and lowered coverage 80% to 70%. In order to get the same coverages and deductible going forward, I would need to pay 300 total per month, from 72 (for two dogs)! I correct myself, that is more than a 4x increase!!
I've read their responses to other reviewers, that the previous underwriter was increasing premiums year to year, and at least for me, that is NONSENSE! I had only received increases of 5 dollars or less per year per pet which seemed reasonable given their advancing age.
But this recent change?? NOT OK! What a horrible way to treat loyal customers especially those who have made very few claims. Shame on you Figo, with your nonsense excuses and rationalizations!!
Perhaps Figo lowered premiums for some owners/pets, but there's a definitive pattern emerging here among reviewers. If premiums were significantly raised only for the 'senior pets', to eliminate the risk by making it entirely illogical financially for the owner, or unaffordable, then that is truly despicable!!
I will never ever recommend them again to people nor will I ever consider them for ANY future pets that I own.
Purchased this insurance for my chihuahua and cocker spaniel in 2018. For $10,000 max coverage yearly with $500 deductible covered at 80% it was $61.20 for the Spaniel and $62.90 for the chihuahua. So apparently they have a new underwriter. The new price for the same exact coverage is now $111.96 for the Spaniel and $88.34 for the chihuahua!!! $75.30 more a month!!! A 62% increase!!! Oh and good luck getting them to pay a claim. You have to call in everything and fight every claim. If you don't everything is a pre-existing condition! Buyer BEWARE! Figo is a terrible!
1
out of 5
POSTED:
| BY: Thomas Kryzer
Buyer Beware
Purchased this insurance for my chihuahua and cocker spaniel in 2018. For $10,000 max coverage yearly with $500 deductible covered at 80% it was $61.20 for the Spaniel and $62.90 for the chihuahua. So apparently they have a new underwriter. The new price for the same exact coverage is now $111.96 for the Spaniel and $88.34 for the chihuahua!!! $75.30 more a month!!! A 62% increase!!! Oh and good luck getting them to pay a claim. You have to call in everything and fight every claim. If you don't everything is a pre-existing condition! Buyer BEWARE! Figo is a terrible!
We had such a great experience with Figo! Our dog tore his CCL (ACL) and required TPLO surgery. His surgery was covered by Figo. We got confirmation that the claim was approved 2 days after I submitted it, and we received the payment 5 days later! Great customer service who answered any questions I had. So thankful we have FIGO!
I can’t believe all of the good reviews of this company online as my experience with Figo has been awful! I have three dogs, all different ages, and they have declined about 99% of the claims I have made for all three. They say everything is pre-existing when it is not! I am looking elsewhere for dog insurance. What a waste of my money!!
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.
