Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,615

  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: Kristi King

What can I get out of paying?

We had both our dogs "insured" with Figo. WORST CARRIER EVER! I am not going to go into great detail, but just know that they will try to weasel their way out of paying a legit claim. I am in investments/insurance and my husband is a claims adjuster so we are in this field and tend to know how claims work. My dog had fecal impact, we had the plan for almost 6 months by this point. They denied the claim stating it was a "pre-existing condition". I do not need to explain that if you my dog was impacted for over 6 months, my dog would have her angel wings. I filed a BBB complaint and they later adjusted it, we received a $1.99 reimbursement and we met our deductible. Well, we cancelled our plan. I asked them to go back and review all of the other claims they labeled as "pre-existing conditions" and I have not heard a peep. They tried to save face knowing that we cancelled our plan just to appease BBB. Nice try. We all know what you did, Figo. I left reviews on their FB page and SEVERAL other had similar complaints. There are many reputable companies out there, I would research before buying into their plan.
5

out of 5

POSTED: | BY: Scott

Great experience

The claim process through the iOS app was super easy! Claim was processed in 3 days.
5

out of 5

POSTED: | BY: Geena

Always super friendly and helpful

Always super friendly and helpful! I've had a great experience so far. It's still kind of early in our relationship but so far Figo seems like a keeper
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5

out of 5

POSTED: | BY: Jessica

Customer Service Rep (Shae) went out of her way to be helpful

I never leave reviews, but I really was impressed at the customer service with Figo. My 8 month old puppy contracted kennel cough that quickly led to pneumonia and hospitalization. I was so worried about my dog and the accumulating bills. Shae went out of her way to get the info that was needed from my vet and regularly followed up with me. The app is super easy to use. It made such a difference.
5

out of 5

POSTED: | BY: Sandra J

Reasonable price for well rounded care

I am very happy that Figo pays for alternative care like acupuncture and chiropractic services which are important to me. Monthly payments are also quite reasonable considering that they have plans where they actually pay 100% once you reach your deductible. Wish we had human health plans that's like 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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