Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,619

  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: Amy

First claim/first time with insurance experience-

I am new to having pet insurance . The claims were super easy to do . I was worried it would be hard to do since drop down boxes for your claim. The process was so easy… they were so fast with reviewing the claim and the money was in my account in a few days. I did have questions about my policy and a claim for surgery I was going to have to make. I called the customer service line. I didn’t have to wait and the woman helping me was so helpful and kind (and patient ) bc I had soooo many questions . I was alittle skeptical starting my first claim but the experience I had was amazing . ( I don’t normally do reviews but always look at them but wanted to write one so I can help someone who is reading this) During a super stressful time with my dog needing surgery this part of the process was so easy and no stress . 10/10 recommend
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5

out of 5

POSTED: | BY: RONALD W. VARA

Invoice Submission Assist

First time user needed help filing veterinary invoice and received cordial professional help from agent.
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5

out of 5

POSTED: | BY: Dylan Hurtado

I thought this was BS at First BUT ITS NOT!!!

The price for this insurance sounds super fake but it wasn’t. I’m paying $60 for unlimited annual benefit, $750 deductible and 90% reimbursement. Plus it covers the Vet Exams, Rehabilitation, and the Wellness Plus Package. For Example I just went to the Vet 2 days ago for some shots heath certificate and much more. It was $113 and I ended up paying $21 of my own money. If it’s always going to be like this I’m staying with FIGO Pet insurance for a very long time.
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1

out of 5

POSTED: | BY: H Duarte

Poor communication for reimbursement

Poor communication for reimbursement on multiple occasions. The nail in the coffin was when they stated that an ACUTE otitis media infection wouldn’t be covered because of a pre existing condition within the past 12 months of allergic dermatitis that occurred 10 months earlier. Let me just say this is hogwash … no offense to the hogs out there
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5

out of 5

POSTED: | BY: lorraine macdonald

It was super easy to file the claim…

It was super easy to file the claim online through the Pet Cloud app. Within 24 hours I not only had a response but my claim was paid. Great service
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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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