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.
3

out of 5

POSTED: | BY: Cathy

Honestly I have uploaded everything I…

Honestly I have uploaded everything I was supposed to and I keep getting emails saying it is not enough (yes I provided a year of medical history). We have never had a claim in the entire year we have had this insurance, and all history was there. Our past insurance company was much easier to use and I didn't have near the hassle as this has been. I am hoping for more positive experiences in the future as I really want to be happy with this insurance as I heard good things. Just a bit frustrated.
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5

out of 5

POSTED: | BY: Brandon

Great customer service.

Great customer service.
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5

out of 5

POSTED: | BY: Ruben

the easy way to make a claim

the easy way to make a claim
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2

out of 5

POSTED: | BY: Tammy Clark

Ear infection = denied claims

My puppy was found to have an ear infection at her vet check right after we bought her. Even though the vet stated this was likely from getting dirty water in her ear from a bath Figo will not cover any allergy or skin issues that developed several months later. I purchased Figo when the puppy was 3-4 months old . The ear infection occurred at at 2 1/2 months. I appealed twice but will not receive coverage for skin or allergy issues. I’m mostly disappointed because the vet stated the ear Infection is not related to my dogs allergy issues. Costco usually has very good products. I think Figo found a loophole and is able to refuse coverage to save themselves money.
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5

out of 5

POSTED: | BY: Bert Landau

Clear and concise explanations of…

Clear and concise explanations of benefits
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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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