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.
I thought I'd give a short review of Figo after filing my first claim, since most of the reviewers have only reviewed based on speaking with the agents. I am overall very satisfied with the reasonable price for the benefits, the online portal, ease of filing a claim, and knowledge of the agents.
But holy cow, it took almost two months for my claim to go through. I filed a very small claim for two of my dogs on December 11, and only yesterday, February 7, was it approved. They did send an auto-generated email saying that claims were delayed. The good news is that it was approved the first time with no back and forth, no documents needed, or anything like that. The only thing that wasn't approved was a $17 medication that was over the counter (given to me by my vet), but no worries.
Overall, mostly satisfied with the benefits for the cost. For a new company that's rapidly growing, some hiccups are expected. I wish they were staffed 24 hours though, like many other companies - it does take a couple days to get an email reply, and long hold times on the phone. However, I have six dogs, and this was the lowest cost for the best coverage that I could find.
The most important part to me is that they cover what they say they're going to cover, and they did - even if it took a while. They've supposedly hired more people and brought claims in house beginning this month, which will allow them to be processed faster. Overall, I would recommend this company for the price and coverage - just be aware that there are growing pains.
1
out of 5
POSTED:
| BY: Sue Botts
WATCH OUT FOR HUGE INCREASES - 77.4% in one year!!!
I thought they were great, but have only been covered one year, then BOOM, without warning, they INCREASED my rate by 77.4%!!! Annual premium went from $630.32 to $1118.50!!!! I called to ask if this was a mistake - i was told it is due to age increase of pet and veterinary cost increases......my dog only aged from 1 to 2 years old (not like he turned geriatric at 2) and, i don't know about you, but I haven't been charged almost double this year than last year by my vet for wellness visits.....? Could this be because the they applied my cat's surgery to my dogs plan and then upped the rate for their mis-assigned claim?? or is this case of "bait and switch"....give a good rate the first year then BOOM huge increases thereafter??? not a happy camper today seeing a 77.4% increase in my next year premium.
After "canned" response below - customer care did reach out -- and told me for a 50% increase in annual cost, i could have a policy that reimbursed 90% instead of 100% and for a 30% increase in annual premium i could have a policy that reimburses 80% verses 100%. uh, yeah... one year of good rates then raise the annual premium by almost double --or offer reduced coverage so you can keep payments lower...ugh!
My dog ate something and had to go the er vet. She was having head tremors and unable to sit up. She was at the vet for 2 nights a total of 2200$. Figo approved the claim but the process to get the check took some time. The first check was lost in mail so we had to wait about 2 months for it get resolved which is my only compliant
5
out of 5
POSTED:
| BY: Tim
Great Job!
We have had a couple claims and FIGO has handled them quickly and painlessly.
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.
