4
out of 5
POSTED: | BY: Brian
fast and efficent claims
fast and efficent claims
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4.2
out of 5
Number of reviews 2,599
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
2
out of 5
POSTED: | BY: Bonnie
The amount paid for a spay is…
The amount paid for a spay is ridiculous!!!
1
out of 5
POSTED: | BY: Ronald Lee
Poor customer support - has phone number been hacked?
Original policy was issued 12/20/2022 and automatically renewed on 12/20/2023.
My dog had tooth extraction on 12/20/2023. Claim denied on 1/9/2024 based on tooth extraction was within waiting period.
However, waiting period only applies to original policy not renewal policies, Policy definitions #43 and Benefits section #5.
Appeal promptly on 1/10/2024. Received only computer generated receipt stating I would be contacted. As of 1/18/2024, no response and no status indication in Pet Cloud.
Called customer number simply to make sure the Appeal had been received. Customer support wanted all my credit card info including 16 digit number and date of expiration - THIS WAS NOT A BILLING ISSUE AND THIS WAS NOT THE ACCOUNTS DEPARTMENT. FIGO automatically bills my credit card every month with no issues.
I declined giving such personal credit card identification to some customer support person who had absolutely no need for it simply to find out if my Appeal had been docketed.
3
out of 5
POSTED: | BY: Danna
Good insurance but have to almost always appeal my claims
I like Figo because is easy to submit claims and update my dog’s coverage. Every time I call I get someone in the phone as well. My only problem is that every time I submit a claim I always have to appeal as many of my dogs claims do not get pay and it takes more time and work to get them fix. Overall my experience has being ok but I feel it could be better.
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.