Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,643

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,643

Updated: May 29, 2024

  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.
4

out of 5

POSTED: | BY: Larry D.

Figo did a (almost) 360

So earlier today I left a not so good review of Figo based on the problems I'd been having accessing their claims portal off of the Figo site. WHEN I was finally able to access it, and uploaded my claim doc, my claim was processed and approved in lightning speed! I hope this was not because of all of the noise I'd been making to their Customer Support folks I'd been chatting with off of their Facebook page, or the messenger message I sent to the company CEO. But they sure did redeem themselves very quickly! I just hope that if (when) I have another claim, I can reach the mypetcloud.com site, because at the moment, I once again cannot :(
5

out of 5

POSTED: | BY: Sigita Freire

Omg the best in this 3 weeks I send 3…

Omg the best in this 3 weeks I send 3 claims : first emergency visit $850 they cover $850, second fallow checkup wit veterinarian $285 , they cover $120 , and took $50 deductibles , and yesterday I took 11:30 to hospital for examination, after I send claim, and in couple hours they send me email that they cover $508 .Im so happy 😁 , I telling all those skeptic people that told me I’m crazy paying $70 insurance!
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5

out of 5

POSTED: | BY: dekadaye

My interactions with Figo have been…

My interactions with Figo have been easy and efficient. The procedures and explanations are very clear, and the website is intuitive. I did not hesitate to renew my plan!
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1

out of 5

POSTED: | BY: Larry D.

Provider has significant problems

Poor customer service. Non-responsive website link for submission of claims. And THREE WEEKS to get a claim approved/paid once you finally get your claim submitted!
5

out of 5

POSTED: | BY: Kim Edmonson

I'm very pleased with the coverage and…

I'm very pleased with the coverage and I have had no issues getting reimbursements which is very appreciated! I have already recommended Figo to my friends!
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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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