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3.6

Overall Score

LAST UPDATED: May 16th, 2023

Figo offers customizable coverage that works for all pet parents. 

Pet owners can choose from one of three comprehensive plans and customize their reimbursement percentage and annual deductible to best suit their budget. 

Figo customers also have exclusive access to the Figo Pet Cloud. This all-inclusive app features things like a 24/7 Virtual Vet and easy mobile claim filing. 

Our Figo reviews (read below) reveal that customers are happy with the amount of coverage, customer service, and how quickly the pet insurance company reimbursed them. Figo knows how important pets are to their families and focuses on making life easier for both pets and their owners.

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The Good

  • Extensive Plan Coverage
  • Policy Basics
  • Claims Process
  • Pet Cloud
  • Wellness Power-Up

Extensive Plan Coverage

Figo aims to free pet owners from financial stress when it comes to choosing the best veterinary care and paying those costly vet bills. The insurance provider offers three straightforward and affordable pet health insurance plans. As long as it's not a pre-existing condition Figo's plans include:

  • Veterinary Exam Fees
  • Illness or Injury
  • Accidents
  • Emergency & Hospitalization
  • Surgeries
  • Prescriptions
  • Veterinary Specialists
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  •  Holistic & Alternative Therapies
  • Prosthetics & Orthopedics
  • X-Rays, MRIs, CAT Scans, Ultrasounds
  • Hip Dysplasia
  • Cancer Treatments
  • Orthopedic Conditions

The Preferred plan and Ultimate plan include coverage for lost pets and emergency boarding fees. All plans cover pet exam fees in emergency situations, and members can choose to waive the co-pay and deductible associated with life-saving treatment.

Policy Basics

Figo's policies become effective the day after enrollment or the day the pet owner selected as the effective date.
There is a 1-day waiting period for accidents and a 14-day waiting period for illnesses. Figo makes it clear that pet owners cannot waive the waiting period unless the policy was purchased using a Veterinary Shelter or Humane Society partner code and the pet receives a wellness exam within 48 hours before purchase. 

Figo has a 6-month waiting period for orthopedic conditions and a 6-month waiting period for hip dysplasia. If a pet owner takes their pet into the vet within the first 30 days of their initial policy period and the medical record states that there are no pre-existing conditions—the 6-month exclusion does not apply.

Pet parents can enroll their cat or dog in a plan as long as they're 8 weeks old. Additionally, Figo does not have an upper age limit*. Which is useful for pet owners who want to insure their older pets.

Figo offers 70%, 80%, 90%, and 100% reimbursements. Reimbursements are the amount the company will pay toward the final vet bill or treatment submitted, however, pet parents should know that a lower reimbursement means a lower monthly premium.

Some pet insurance providers require pet parents to pay a deductible for every new injury or illness. Figo offers an annual deductible, meaning pet parents only have to meet the deductible once during the year and then they are covered for the remainder of their policy period.

Pet owners can visit any licensed veterinarian in the world.

Claims Process

Figo tries to process each claim within just three to five days, which is a much shorter time frame than with most other pet insurance providers. This puts money back in its member's pockets a lot sooner. Also, a member can file a claim via email, fax, or through the Pet Cloud, which is definitely a unique and convenient feature.

FIGO Pet Cloud

FIGO's Pet Cloud is an online member portal and mobile app. Pet owners no longer have to worry about searching through thousands of papers to find information on their pet's health plan. With the Figo Pet Cloud members can file paperless claims, find a lost pet, send a pet's medical records without a hassle, and even find animal venues nearby.

Everyone with a Figo insurance plan has access to the Live Vet feature. This allows pet owners direct access to licensed veterinary professionals 24/7.

Wellness Power-Up

As of 2021, Figo offers a wellness power-up for all insured pets. With this power-up, pet owners can rest easy knowing that their pet’s preventative care is covered. Things like vaccines, spay/neuter, and teething cleaning are included for just a small monthly fee.

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The Bad

  • Customer Service Hours

Customer Service Hours

Figo's customer service is available only during certain business hours; it isn't a 24/7 operation. Instead, Figo is only available 

  • Monday-Friday: 8:00 a.m. to 7:00 p.m (CST)
  • Saturday: 8:00 a.m. to 6:00 p.m. (CST)
  • Sunday: 11:00 a.m. to 3:00 p.m. (CST, text support only)
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The Bottom Line

Pet owners who want peace of mind for their pets in case of an unexpected injury, illness, and want routine and preventative coverage, Figo is definitely worth considering. 

Figo has been around for more than a century and has a highly-rated underwriter. In addition, it offers members many helpful features, such as an optional wellness feature, an online portal, paperless claims (that are processed really quickly), and a variety of ways to contact customer service (including live chatting and texting). Figo has plenty of benefits for pet owners, with three extensive coverage plans, annual deductibles, and no claims limit.

Figo does have a list of pre-existing conditions that aren’t covered. However, this isn’t unusual in the industry and doesn’t affect the rest of the coverage. 

Figo is a great option for pet owners and their pets. 

*Exclusions may apply to our Mortality Benefit coverage relating to pet age

 

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Star Rating

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2.4

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33 Reviews

Review Breakdown

5 grade

27%

4 grade

6%

3 grade

0%

2 grade

6%

1 grade

61%

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Jelena Kazakova Redmond, WA

Our first claim was declined because we were not able to provide physical exam record done in the past year. This information was never emphasized to us when I twice spoke with a representative on the phone. The welcome letter did contain this information, however the welcome letter was sent to the pet cloud on the Figo app which I didn't get set up until I needed to open the claim. So I fell that this information was withheld from us, either intentionally or unintentionally, because giving the importance of this information, I think it MUST be emphasized to a new customer in a more effective and efficient way! Can't trust, bye Figo!

4 years ago

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Bam Bam Portage, MI

I have not used Figo for anything but live vet last two years. I had one great experience and three worthless. Live vet is very slow, doesn't listen and offers only limited information. I could Google for free and get better advice.

1 year ago