Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,599

  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: Kelsey

Great so far! (8 months in)

So far, my experience with FIGO has been positive. I find the App to be very helpful for submitting claims. Most claims I have submitted have been approved and the coverage is decent. There was one claim that was denied, because my 3 month old puppy supposedly had the illness (Giardia) before the coverage period began. Since Giardia is considered 'curable', if she goes a year without symptoms, the illness will be removed from the 'preexisting' conditions list. I have found the customer service over the phone to be good (fast, knowledgeable, and genuine care). So far I would recommend FIGO; get it while your pet is young to make sure there are no 'preexisting' conditions that get excluded. I hope I never need to use my coverage for a major claim, but have piece of mind... just in case. Pet insurance is a MUST in my opinion.
5

out of 5

POSTED: | BY: Jessie

Real Review - Claim was fully covered!

I previously had a puppy that died from lepto. Our Vet costs were $7000, and when we got a new puppy, we decided pet insurance was a must. I decided to go with Figo because they were one of the few companies to cover ‘exam fees’. You’ll find that most policies do not, or that they’re more expensive. We chose the ultimate plan with a $200 deductible, and 90% payout. It cost about $650 a year. It’s important to note there is a 14 day waiting period for illnesses and 5 days for injury. In our case, our puppy had a reaction to some of the vaccines he was given. Our claim occurred on the day after the waiting period ended. It was perfect and poor timing. I was worried I would to have to go back and fourth with the insurance company during the claims process, but instead the claim was approved and paid in a week. Claim was made on 9/4. Approved on 9/7 and Payment was received on 9/11. Our bill was $540, $133 of which was exam fees. After the deductible, Figo covered the rest ($286). I’m extremely pleased with the prompt service. In addition, Figo has a 6 month waiting period for knee and hip problems, however it can be waived if your vet writes a note indicating your dog is healthy and has no issues. You need to email customer support within the first 30 days of the policy. I sent that in, and it was approved as well. Email response is prompt and knowledgeable. They sent me an email asking for a review, so here it is. They’ve done right by me. Recommend, and as always keep all documentation to avoid any problems.
5

out of 5

POSTED: | BY: Vickie Derr

Everyone has been very nice to me even…

Everyone has been very nice to me even though I’m totally challenged when it comes to using my computer/cell phone. The patients that the staff exhibit is on believable.
5

out of 5

POSTED: | BY: Elisa Lefkowitz

Figo is very helpful and answers all my…

Figo is very helpful and answers all my questions. Their customer service is fantastic!
5

out of 5

POSTED: | BY: Ashley Donnell

All of my claims have been processed…

All of my claims have been processed quickly and transparently. I rarely need anything from customer service, but when I do they’re always very friendly and helpful. This is a fantastic company that gives me peace of mind when it comes to the well-being of my fur babies.

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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