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.
5

out of 5

POSTED: | BY: Sheree

Thankful for Figo and their support for pets

Great company with reasonable rates for your pets coverage. They review claims and response in 24-48 hours and in 1-2 business days later you will receive a deposit or check for the reimbursed amount. Great customer service, great website, great team, and very happy with their coverage. Knowing my dog had a cancer scare and broke a tooth all within 8 months they covered everything besides my deductible for my pet and the percentage rate we choose. I have already recommended many others with pets to seek insurance needs with Figo. Very happy dog mom.
4

out of 5

POSTED: | BY: Jose Acosta

This time Figo came thru

This time Figo came thru. I am still not happy with my other claim.
1

out of 5

POSTED: | BY: Carissa

HUGE RENEWAL INCREASE

We’ve had them for a year for 3 pets (2 dogs and 1 cat). Submitted a few claims but never enough to exceed the deductible. We paid $104 each month (all 3 pets) with a 90% reimbursement on the dogs and a $200 deductible and 70% reimbursement on our cat with a $500 deductible. When renewal time came they DOUBLED our premiums for each pet AND DECREASED the percentage they would reimburse AND INCREASED the deductible. So essentially they wanted us to pay double with worse service. It may be understandable if we filed some substantial claims on all the pets but we didn’t. I may even be able to tolerate a moderate increase but the fact that they were going to DOUBLE our premiums on HEALTHY pets and REDUCE the amount of benefits to them is despicable! When we called all they said was they couldn’t do anything and did you look at the renewal options.. yes. Why do you think we called about the renewal?! TERRIBLE CUSTOMER SERVICE. If I could give them a 0 I would.
5

out of 5

POSTED: | BY: David Padilla

Thank you Figo Staff

Figo staff have made a very stressful situation a bit better by processing our claims in a speedy manner. That helps in an otherwise complicated system of claims and reimbursements. One day we’ll have free universal pet healthcare after we’ve obtained that for all people, but meanwhile we’ll do with this current system. We appreciate the staff at Figo who’ve made this easier for us and our pet.
5

out of 5

POSTED: | BY: Carla Dawkins

I have had excellent service and very…

I have had excellent service and very quick turnaround time on claims with the last two paid in 2 days. Very satisfied!

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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