Figo | Pet Insurance Review

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.
1

out of 5

POSTED: | BY: Casey Sweeney

BEWARE Figo calls EVERYTHING a “preexisting condition” despite no evidence of any conditions and a vet backing up no preexisting conditions

My dog was given a preexisting condition for her entire rear end from 1 vet visit that I asked for doggy Advil to help with recovery after Flyball and agility practice. She didn’t have any pain, vet noted no issues, vet noted no injuries or dog showing any sign of pain. I still don’t understand the preexisting condition my dog has and figo refuses to work with me or actually look into the condition they’re claiming is preexisting. She was seen by multiple rehab vets who also back up that my dog has no injury or any signs of pain yet figo refuses to listen to any of them over one vet noting “PERCEIVED owner discomfort after extreme exertion” vet notes no signs of pain or injury. I never knew a very tired dog was considered pre existing to figo when a vet noted multiple times there’s nothing wrong with the dog
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4

out of 5

POSTED: | BY: LN

Good...Could be better

Figo is a good Insurance company that allow us to customize the coverage that our pets need. One thing I would wish is that the Basic Wellness coverage shouldn't be so specific, it is set at $135 per year but it is set to $20 for exams, $30 for vaccines, $40 for Spay/Neuter and teeth cleaning...etc. Why can't you set it just $135 for the whole Basic Wellness for whichever needs. Chances are Microchip, Spay or Neuter is never going to use again since adoption.
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5

out of 5

POSTED: | BY: customer

After plenty of research this is the…

After plenty of research this is the best package, and list cost effective. Very helpful and the APP is user friendly.
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5

out of 5

POSTED: | BY: Joana Marie Zoleta

Speed and explanation of benefits per…

Speed and explanation of benefits per claim.
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5

out of 5

POSTED: | BY: Laurie Kresl

Easy to use!

It's so easy to use the app to file a claim and keep track of things. Claims are also reviewed quickly and paid out timely.
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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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