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: casey carroll

Awesome coverages!

Our last Golden Retriever's insurance turned out to be a joke, although we had the best plan they offered and had it for 9 years, they ended up only paying 20% of his $4,000 for his cancer medical expenses. We were very disappointed. The company found every reason to not help with his expenses. For our new Golden puppy, I checked out EACH and EVERY pet insurance company I could find, and there are many these days. FIGO had the very best coverages for so many things that other carriers do not cover. We have had one claim and it was easy to file online. The reimbursement (which paid out way more than the last company would have paid) took about a month, but FIGO said they were changing the way they paid to expedite future reimbursements. All in all, I am pretty sure that we love FIGO!!!
4

out of 5

POSTED: | BY: Janice

Good

I've been satisfied thus far until a recent claim for Jan. 9 came back with no info at all on the EOB: no amount, acceptance or denial, not even the date of service! I'm awaiting a response to my query.
5

out of 5

POSTED: | BY: Tiffanie Hurd

I’m glad I have Figo! :)

I am really thankful that I purchased this insurance when I got my german shepherd puppy! My claims have all been handled and I couldn’t be happier!
5

out of 5

POSTED: | BY: Maureen McClure

Wonderful customer service

Answered all questions with a “real”person.
4

out of 5

POSTED: | BY: Zach

Great customers service and very easy to use.

My experience with FIGO so far has been great. They have been a little slower than promised on reimbursements but are communicating with me every step of the way and working hard to fix it. I appreciate the honesty and communication. The site/app itself is easy to use and helps me keep track of everything.

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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