Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,646

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,646

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.
1

out of 5

POSTED: | BY: Skye O'Neil

AVOID THIS COMPANY! If you love animals get your pet insurance elsewhere!

Figo is great idea, however their employees are the worst I have ever come in contact with. During the difficult time after my dog was diagnosed with hemangiosarcoma I found myself having to call them to make sure claims were received with all needed documentation. The lack of empathy and down right rudeness from their employee ***** was appalling. When my dog died I emailed them because I was too upset to call them and I never heard back. Finally I called them and ***** answered and I let her know I had sent an email saying my dog had passed away. Her response was "I know, we got your email." That is literally all she said and then hung up. No empathy or I'm sorry or even thanks for letting us know we closed your policy. This agent ***** has repeatedly been unhelpful and useless when I have called in the past but I never complained as I assumed she may have been having a bad day. I didn't realize until this interaction that she actually just may be a horrible human. I have since had my family switch over to 24 Pet Watch Insurance. I would never recommend Figo to anyone as they are not animal lovers and do not care about owners. They made an extremely difficult time even worse with their lack of support and empathy. This is my experience and may not be the same for everyone as this is a personal review. However, I am heartbroken and saddened at the lack of care and support provided by this company. I hope they record their calls so they can review this and see how horrible their agent treats their Customers. They also state that they process claims in a timely manner. I found this to not be true at all. I would call asking for updates months after I submitted a claim only to be told they had a backlog and didn't have a time frame. However this was also by the same agent who would never even ask for my claim information or wait for me to give details to which claim I was referencing. It took months to get a claim paid out and they were rude the entire way through. I would also like to note that Figo is reporting my review because they want it taken down instead of addressing the issue at hand. I will not be silenced, shame on you Figo!
5

out of 5

POSTED: | BY: Aubrey Whitten

I love Figo!

I used to have a different pet insurance company, however I switched to Figo to be able to use their "cloud" feature. Their rates are competitive, I actually ended up paying a few dollars less than my old plan. Claims are SO easy and all of my pets medical history is right on all of my devices and easy to access. Their customer service is also some of the best I have received.
5

out of 5

POSTED: | BY: Mary M.

Never had Pet Insurance before, happy so far.

Very happy with FIGO's customer service. Thank you!
5

out of 5

POSTED: | BY: Gopika

Responsive. Honest. And friendly care for me and my pup!

Figo was super helpful as I transitioned into being a new dog owner. When my puppy passed away unexpectedly I didn't get a canned email or automatic email response. The figo representatives were there to help, were super on top of it and even helped me end service when I forgot to cancel. I can't thank them enough for their kindness. In terms of ease of use I found filing claims super convenient and simple. Wish all insurance companies operated like this. Thanks figo!
5

out of 5

POSTED: | BY: Jeremy Gottschalk

Great Customer Service

Customer service is extremely responsive and helpful (and patient with questions, etc.).

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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