Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,619

  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: Annette

Great Customer service and simple to file claimsA

I have had Figo for almost 2 years and they have been great. It's so easy to file a claim and they reimburse in a timely manner. Customer service
5

out of 5

POSTED: | BY: Andrea Gallagher

FIGO IS FANTASTIC!!

Absolutely!!Awesome customer service and very prompt claim turnaround. I recommend FIGO TO EVERYONE!!
5

out of 5

POSTED: | BY: Stacy Jo

Surprisingly easy and efficient.

Super easy process with great results. I spoke with customer service the first time to walk me though the process and they were kind, professional and efficient. I recieved reimbursement from my claim in a timely manner. And they even sent my Hershey a get well soon card that was hand signed by many agents! So thoughtful @
5

out of 5

POSTED: | BY: Mia Walsh

I Love Figo!

Figo insurance is amazing. Our sweet puppy has had a rough year, but thanks to Figo, she's healed and playing again. We couldn't have afforded to do what she needed without Figo. Filing claims is the easiest process, and payment is amazingly fast! Their rules of coverage are very simple, so I always know what is covered. I have NOTHING bad to say about this company.
2

out of 5

POSTED: | BY: michele pesca

I'm reading all these reviews where…

I'm reading all these reviews where customers are getting their claims back in up to 48 hours. Just recently I learned my cat Tessa may have cancer. I have submitted all prior medical records and two claims and it has been over a week. I'm losing money while waiting for them to get back to me. I may have to pay more, and I can't right now because I need the money I should be getting back promptly. Every time I call I explain the situation and I'm told it can take up to two weeks. Come on, my pet is sick. This is the whole reason I went with insurance so in case she did get sick I could get covered and money back to continue. At least show some compassion and let me know what is going on. It's over 7 days, you have all the information you need and my cat is getting more sick and the bills are rising.

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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