Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,607

  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: Doris DeClue

I love the fact that my fur babies have…

I love the fact that my fur babies have insurance in case they need it with Fi. It is the most affordable. So far we have had to use the always there veterinarian text support. That is so worth it. My pups have gotten into and ate things they shouldn’t. I was able to get help immediately on what I needed to do. If you look online for vet online help it cost more than a one month premium payment just to ask a question. With Fi it is an included benefit!
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5

out of 5

POSTED: | BY: Cynthia

Quick response and compassion for our…

Quick response and compassion for our situation. Outcome to our emergency was very sad, but Figo was supportive and helpful.
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5

out of 5

POSTED: | BY: Isabel Solano

Actually I have not required any…

Actually I have not required any services at all since the time I purchased my dog’s insurance.
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2

out of 5

POSTED: | BY: Unhappy

I had a problem submitting a claim

I had a problem submitting a claim, and it told me to call. I called and they said to leave a message and they would get back to me. They did not. And it’s not the first time where they’ve asked you to leave a message and they don’t call you back. Submitting claims is confusing and it doesn’t give you full information. I received a reply on this site about calling them. I called. I got put on hold for at least 10 minutes so I hung up. I called back. I got an explanation on my benefits however, I did not get an explanation as to why no one ever calls back. The excuse was there was a holiday. That was only one of the four days. I have another call into them right now to speak to a supervisor. They need to make changes to their customer service.
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4

out of 5

POSTED: | BY: customer

Nice that after a claim free year

Nice that after a claim free year, my deductible is lowered.
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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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