Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,602

  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: Jeff Colby

Very Upset

When we picked up my dog he was healthy and happy. We immediately submitted a VET check sheet for FIGO's record. I signed up for FIGO the day I picked him up (9/18/16). I also submitted a VET CHECK from the Breeder from 9/9/16 stating he was healthy 2 weeks before we got him. Unfortunately 3 days after we picked him up he caught some kennel cough/pneumonia. As this was during the waiting period we did not expect it to be covered and were slammed with a hefty bill from the hospital. He was recovering but then ate some type of toy fur on Friday (9/23/16) and aspirated vomit into his lung. We took him to the vet and he was confident that FIGO would cover this as an accident as a dog throwing up and creating aspiration pneumonia is an accident. FIGO did not cover the aspiration pneumonia and we are extremely upset. They did not even offer to reimburse a portion of it. I am confident going forward they will help us if an emergency arises.
5

out of 5

POSTED: | BY: Darla Cowburn

Excellent service and very user friendly

I have two dogs both covered by FIGO. I love the customer service and love pet cloud. This company is excellent!
5

out of 5

POSTED: | BY: Lisa Jumper

Best decision ever.

After getting a second (and eventually, a third) dog, I decided that pet insurance might be a good investment, as potential vet bills for 3 active dogs can add up quick. I did a lot of research and found Figo, and went with them because of all the benefits. Recently I had a few issues with my oldest dog, leading to a few visits to our vet, and eventually visit to an emergency vet for $2500. With all my claims, they were completed within a week, and the rep is always happy to answer my questions. My experience with customer service has been awesome too, and I've been recommending this company to everyone I know.
5

out of 5

POSTED: | BY: Annie DeLeon

Figo Pet Insurance

Great customer service and Pet Cloud is easy to use. I feel better knowing my Sunny is covered!
5

out of 5

POSTED: | BY: Angela

Read the Contracts, then Pick FIGO

I am extremely analytical in nature. I probably studied the details of pet insurance for 40-50 man hours (also putting it against just saving money in a savings account) before deciding to go with FIGO. If you narrow it down to the top 2 or 3 and compare their coverage, it's easy to see that FIGO covers quite a bit more with fewer exclusions. Anyway, on to my personal story: my "boys" two English Bulldogs, 1 and under 1 have not had great luck. The youngest got pneumonia, racked up a 1900 between the emergency vet and regular vet within the second month of having FIGO. I held my breath because I had read so many awful reviews online of other companies but they were truly wonderful and I totally trust them now after repeated positive experiences. I wish their hadn't been so many claims this first year but I'm chalking it up to the puppy stages with these guys.

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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