5
out of 5
POSTED: | BY: Robert
Reimbursement was easy and quick!
Reimbursement was easy and quick!
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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.
1
out of 5
POSTED: | BY: Noah cowan
Figo
Figo, the king of insurance Gaslighting.
They first tire you out by making you jump through hoops, then make you happy, then not pay, then ghost you, then more hoops, then deny your claim on any technicality they can find. Then deny your appeal because you had a legitimate claim. Because they know that you won’t sue them. Psychopaths.
Despite my initial enthusiasm and hope, they have proven to be unreliable and untrustworthy as an insurance provider. Here’s a rundown of the issues I’ve encountered:
1. After filing a claim, it was closed without explanation, leaving me waiting for payment for 14 days.
2. Upon contacting them, I was kept on hold for 27 minutes only to be told they needed more information, which they allegedly already communicated to my vet. However, my vet confirmed they received no such notification.
3. When I followed up with Figo, I was informed their app was down and that they would now process the claim.
4. Despite their assurances, I was then bombarded with paperwork and additional tasks for my vet.
5. After more back-and-forth, I received a claim closed email with a broken link and no information in the Figo app.
6. Upon calling again, I was told my plan didn’t cover the incident because it fell outside a 14-day grace period for illnesses, being day 13, and that the day I signed up was not the day they started my plan. Even though it was an injury, not an illness. They then cited a bizarre 6-month grace period for skeletal injuries, leaving me baffled and frustrated.
I had signed up for their highest-tiered plan at $57 a month for my recently rescued Chihuahua, only to be met with disappointment and a sense of being scammed. This experience has left me questioning the legitimacy of their services and I am requesting, at the very least, a refund of my initial premium payment.
5
out of 5
POSTED: | BY: customer
Figo's service is fast and…
Figo's service is fast and efficient....highly recommend this company
5
out of 5
POSTED: | BY: Jennifer
Figo has been the easiest pet insurance…
Figo has been the easiest pet insurance to work with - submitting claims is a breeze and they get back to you extremely quickly. I can't recommend them enough.
5
out of 5
POSTED: | BY: mf lanese
Fast service!
You're fast in processing claims and don't get bogged down in administrative nonsense!
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.