Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,603

  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: Carol Balfe

FIGO for my cats

I have had FIGO for a little over a year - and have had to submit claims on several occasions for my two cats. Early on, FIGO was undergoing some reorganization and claims were a bit slow. There was also a mixup about a preexisting condition for one of my cats. HOWEVER - FIGO was very understanding and gave me the benefit of the doubt. In the past two months, I had a couple of fairly large claims. To my pleasant surprise, FIGO processed and paid in less than 4 days! Very impressive!
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5

out of 5

POSTED: | BY: Jaime Smith

Happy Camper

Super company so far! Very quick to process claims and receive refunds!
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2

out of 5

POSTED: | BY: Andy

Constant Premium Increases

I was excited when I signed up, stupidly thinking that the premiums would be somewhat fixed, but the 2018-2019 increases were double what I was paying and triple what I signed up for. I don’t want to use the term “bait and switch” because it’s not exactly that, but close enough for me to type it here. I made one claim in 3 years for about $100 because my vet is so affordable, yet I am told vet rates in my area are increasing, justifying huge increases. Self insure. Put some money aside.
4

out of 5

POSTED: | BY: Dot M.

I've had a couple different experiences…

I've had a couple different experiences with claims. The first was very frustrating. I was automatically denied a claim because they thought my dog's allergies were a pre-existing condition without even checking in with me. Once I could prove it wasn't pre-existing, they paid my claim. The second experience was excellent. I submitted my claim when my dog was hit by a car, and the next day the claim was closed/paid.
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5

out of 5

POSTED: | BY: Evelyn M.

Figo has been a lifesaver for my dog Winston!

Figo has been a lifesaver for my dog Winston! The insurance paid for 100 percent of his medical bills after my $200 deductible. Customer service is so helpful and kind! They even ask how Winston's feeling after his latest medical issue. As long as you provide the medical records and receipt with how much you paid for services rendered, the claim is promptly paid! It does not pay for routine shots, dental cleanings, and pre-existing conditions, but that is okay since that it is indicated up front in the policy. I highly recommend Figo pet insurance and will never be without pet insurance again! I highly recommend Figo pet insurance!
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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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