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.
4

out of 5

POSTED: | BY: Kathy

Good CS and claim turnaround. Premium increase notice and new claims system could be improved.

Am very, very happy with the quality of customer service and the quick turnaround on claims! However, here are a couple of things that could be improved: 1) My monthly premium went up 18% but I was not notified except for a general email about rates possibly going up depending on your state. Found out when I received a debit notice from my bank; and 2) The changes to the website for filing claims does not work as well as the old one. I could not get it to highlight so I could sign a claim and had to call for help.
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5

out of 5

POSTED: | BY: Debbie

Easy to file a claim

Easy to file a claim. Someone always available to answer questions.
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4

out of 5

POSTED: | BY: customer

Receive quick service and paying bills

Receive quick service and paying bills. Don’t like how they reject things that are necessary for your pet. Speaking of allergies.
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5

out of 5

POSTED: | BY: Monica

Very good service for us

We have received a good service with the policy that we have, it cover all the needs that baloo have had so far.
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5

out of 5

POSTED: | BY: customer

Helpful n quick in filing claim

Helpful n quick in filing claim
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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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