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.
3

out of 5

POSTED: | BY: Bonnie

Getting better

The customer experience has recently improved but it was a rough last twelve months or so with very delayed claims, changes to process with no notice, and a subpar website. Also, at my last renewal, the premiums SKYROCKETED with little to no reasoning. My deductible also doubled. The past couple months have been much better so hoping there were organizational lessons learned. Will hang in there for a bit longer as the coverage is good.
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1

out of 5

POSTED: | BY: Adrian

does not cover what they say they cover

All the cloud and web interface deceives what the insurance really covers, even though it says it covers, but in a very deceptive way, it does not cover. I currently have policy but plan to cancel ASAP and go with other insurance company as user interface and simple ness caught my attention to switch to this insurance, but big mistake. I will be going back Tom my old insurance which the monthly rate was little higher, but they cover what they say they cover.
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5

out of 5

POSTED: | BY: V Mnz

Best coverage I have found for my 3 dogs

Claims paid quickly. Several plan options and offers multiple pet discount. Increase a bit high at renewal, but it is expected as my dogs have had several claims. The app works great--I just take a picture of my vet bill and upload it to the app when I need to file a claim. Love being able to access everything via the app. I appreciate the dog tags and water bowls they send with new policy enrollment. Best coverage and overall cost for all 3 of my fur babies.
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5

out of 5

POSTED: | BY: Vicki Van Winkle-Sami

My family is grateful to Figo! You saved us!

My family is grateful to Figo for the excellent and timely service we have always received in putting our claims through. Emergency veterinary care for our adventurous puppy could have destabilized our finances this year. He has had several costly emergencies. Having Figo insurance gave us the confidence that we could provide the care to our puppy when he really needed it the most. Wish my own health insurance was so well priced and easy to use!
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4

out of 5

POSTED: | BY: TMS

1st time FIGO

Figo has been great. There was a delay in payments for a while but company was open and honest. Have see great improvement in payment times. 1 year renewal rate went up 86%. UGH! Website and app are GREAT.
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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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