Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,598

  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: LaQueta

Avoid FIGO

We were covered by FIGO from July 2017 until July 2018. Prior to coverage effect we took our kitten to our vet for her first check-up and she was found healthy. We submitted the records to FIGO as required. During the first several months, they refused every claim for our 4 month old kitten asserting everything was a "pre-existing condition". By October 2017 I was fed-up, so I sent them a strongly worded letter where I explained in part: "Every insurance contract has an unwritten, invisible, or implied term referred to as the covenant or promise of good faith and fair dealing. This is a promise imposed by law upon an insurance company to always act fairly towards its insured in handling their claims…In my estimation the apparent failure to investigate my claims leading to the unwarranted denial of said claims is gross mismanagement needling dangerously close to the appearance of bad faith insurance practices." I then threatened to report them to our State Department of Insurance. After this, they paid my claims and I never heard from them again. They always paid every claim. (Suspicious action in my estimation. I believe they didn't want to have someone investigating their practices.) Now, here at the end of July (2018), it is time to renew our policy. They decided to increase our premium by 100 percent for an otherwise healthy 1 year old cat. They further did this with zero transparency. They sent an email out in June explaining "some states could potentially see a rate increase". They gave no information as to which states would see an increase or by what amount. They instructed us to log-in and see if we would be effected. We did and we were not. 3 weeks later, we still were not effected. Then today, when payment for the next year would be due, we found they increased the rate 100 percent. We are SO disgusted by this company and advise you strongly to avoid it like the plague!
5

out of 5

POSTED: | BY: Ellyn Goldberg

Quick settlement of claims

Unfortunately, I needed to submit claims for my new puppy. The claims were settled quickly and as expected. So far so good :)
5

out of 5

POSTED: | BY: anonymous

Highly recommend Figo Pet Insurance!

Highly recommend Figo Pet Insurance!
5

out of 5

POSTED: | BY: Bret Grafton

Opened a claim for my pup Samson

Opened a claim for my pup Samson, and Figo was very quick to respond. Their customer support team is great - very helpful. I would totally recommend them for pet insurance.
5

out of 5

POSTED: | BY: Mandi

Getting figo pet insurance was one of the best decisions I ever made!

My dog had a medical emergency that required hospitalization and lots and lots of blood and imaging work. Luckily he was able to be saved, but the vet bill was enormous! Luckily when I uploaded all the claims for his bills (5 in total costing over $4,000) figo covered them exactly how it was described in my plan with zero hassle, and they were crazy fast! The claims were processed and approved within 2 days and I received the checks in the mail within a week!! I can’t say enough good things about this company, they make such a horrible situation like almost losing your animal easier knowing that you can make all the needed choices and they will take care of you! Every dog owner should get figo insurance in my opinion!

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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