Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,597

  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.
2

out of 5

POSTED: | BY: Lynn Turner

First year rate was great...2nd year my premium increased by 67%!!

I chose Figo after doing a lot of research and for the initial year I was very impressed. Then I got my renewal rate.....a 67% increase. They tried to say it was because I had a specialty breed, and they were looking at other plans and vet costs.....they also said my zip code could influence my rate...so if i live in a high-rent metropolitan area then vet fees are higher so my premium should be higher. I feel like this was a classic bait and switch tactic. Get them in under a low rate and then jack up the prices for the next year. Very disappointed and feel like the Better Business Bureau should get involved.
5

out of 5

POSTED: | BY: PP

I am so happy to chose figo for my…

I am so happy to chose figo for my puppy’s insurance. It is really easy to claim. Very fast customer service reply. I wish they will have additional wellness plain in the future!!!
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5

out of 5

POSTED: | BY: Aaron Esman

Great service

Great service. Covered the total charge of our dog's splenectomy operation and sent check day after we put in the claim.
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5

out of 5

POSTED: | BY: Rose Chandler

FIGO has been there when we needed them…

FIGO has been there when we needed them the most. It’s a great peace of mind knowing FIGO has our babies back when they need them most. The app is so simple to use. Payments are quick after you submit the claim. Thank you FIGO !
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4

out of 5

POSTED: | BY: john

Happy I chose Figo

Happy I chose Figo as they have been good overall. My only problem has now twice they have said they requested info from my vet and they can not show any proof and my vet never gets these requests. And then Figo makes me work for my claim. Outside of that I would recommend.
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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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