Alyssa Lane
Figo Pet Insurance offers customizable coverage with three comprehensive plans and add-ons like wellness, veterinary exam fee coverage, and an Extra Care Pack. Figo is the only pet insurance company to offer up to 100% reimbursement, and customers have exclusive access to the Figo Pet Cloud app, which includes features like a 24/7 Virtual Vet and easy mobile claim filing. While some reviews praise Figo's convenient claim process, responsive customer service, and quick reimbursement, others criticize its low reimbursement rates and unexpected premium increases. Is Figo Pet Insurance worth it? Let's explore the pros and cons in more detail.
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What You'll Learn
Figo's reimbursement rates and premiums
Figo offers three flexible pet insurance plans with customizable reimbursement percentages and annual deductibles. Customers can choose to be reimbursed for 70%, 80%, 90% or 100% of their expenses. Figo is the only pet insurance company to offer 100% reimbursement, which means that pet owners can be free from financial stress when choosing veterinary care.
Figo's annual deductibles generally range from $100 to $1,500, and customers can choose from annual coverage limits of $5,000, $10,000 or unlimited. Figo's reimbursement rate is applied to eligible vet expenses before deductibles, which can result in a slightly lower payout compared to other companies that subtract deductibles first. For example, a customer with a $1,000 vet bill, 80% reimbursement and a $100 deductible would pay $300 in total.
Figo's insurance covers surgery, accidents, illnesses, injuries, hereditary and congenital conditions, veterinary exam fees, MRIs, x-rays, ultrasounds, cancer treatment, knee conditions, alternative and holistic therapies, prosthetics and veterinary specialists. Figo also covers pre-existing conditions considered curable if they show no signs or symptoms within 12 months of treatment.
The Figo Pet Cloud app allows customers to upload and share medical records, view policy information, file and track claims, receive health reminders, track their pet and connect with other pet owners. The app offers 24/7 access to a veterinarian through a live chat tool, and customers can also file claims over the phone, by email or via fax.
While Figo offers comprehensive coverage and convenient features like the Figo Pet Cloud app, some customers have expressed dissatisfaction with their reimbursement rates. One customer reported paying $123.87 per month for a 90% reimbursement plan, but receiving only $67.38 back for a $410 emergency vet visit after a lengthy process of providing records to prove that the issue was not pre-existing. Another customer described Figo's reimbursement as a "joke" and a "scam", feeling that they would have been better off paying for their pet's bills without insurance.
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Figo's customer service
Figo Pet Insurance is known for its user-friendly app and fast claims processing. It offers comprehensive coverage for pets, including accidents, illnesses, diagnostic testing, breed-specific conditions, cancer treatments, orthopedic conditions, and more. The company has a strong commitment to customer service, as evidenced by its six tiers of wellness plan options, customizability, and optional add-ons to cater to diverse needs and budgets.
Customer reviews on Trustpilot highlight the convenience and ease of Figo's claim process, with some praising the helpfulness of the customer support representatives in explaining coverage. The quick reimbursement and overall positive experience with Figo during challenging times, such as putting a pet down, have been appreciated by customers.
However, there are also reviews that mention claim denials for pre-existing conditions and the need to upgrade the plan to cover sick exam fees. It is important for customers to understand the exclusions and restrictions of their specific insurance policy to avoid disappointment.
Overall, Figo's customer service stands out for its accessibility, flexibility, and commitment to meeting the diverse needs of pet owners.
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Figo's app and website
Figo Pet Insurance has received mixed reviews for its app and website. Some customers have praised the app for its convenience and ease of use, including its ability to submit claims in under two minutes, while others have criticised the company for increasing premiums.
The Figo Pet Cloud app offers several features, including 24/7 access to a veterinarian through a live chat tool, the ability to set up health reminders, view medical records, file and track claims, and connect with other pet owners in the area. The app also helps users find groomers, day care facilities, pet-friendly restaurants, and emergency pet hospitals.
The Figo website is easy to navigate and offers a comprehensive list of frequently asked questions. Customers can also log in to the Figo Pet Cloud web portal through a link on the website. The website also provides a link to text customer service about claims or other issues.
Figo offers three flexible insurance plans with customisable reimbursement percentages and annual deductibles. The deductibles generally range from $100 to $1,500, and customers can choose to be reimbursed for 70%, 80%, 90%, or 100% of their expenses. Figo is the only company that offers 100% reimbursement, which can be beneficial for large vet bills.
Overall, while some customers have had positive experiences with the Figo app and website, others have been disappointed with unexpected increases in their premiums. It is essential to carefully review the terms and conditions before signing up for any pet insurance plan.
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$7.49
Figo's claim process
For those who prefer not to use the app, Figo offers multiple alternative methods for filing a claim. Claims can be submitted over the phone, by email, or even via fax. This flexibility ensures that all customers can access the claims process regardless of their technological preferences or limitations.
The speed of the claims process depends on the type of claim. Wellness claims, which do not require investigating past vet records, are typically processed within a few business days. Accident and illness claims may take longer, with Figo allowing up to 30 business days for processing these types of claims.
Figo also offers a unique feature where the company may reduce your deductible by $50 each year you go without filing a claim. This encourages and rewards customers for keeping their pets healthy and reduces the overall financial burden of pet ownership.
While Figo's claims process is generally praised for its convenience and speed, it is important to note that pre-approval does not guarantee coverage. Figo will still review the claim upon submission, and customers can appeal any denied claims by providing additional documentation and an explanation of their disagreement.
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Figo's coverage options
Figo offers three flexible and customizable pet insurance plans with varying reimbursement percentages and annual deductibles. Customers can choose to be reimbursed for 70%, 80%, 90% or 100% of their expenses, with deductibles ranging from $100 to $1,500. Figo is the only pet insurance company to offer up to 100% reimbursement, which can be beneficial for large vet bills.
Figo's plans cover accidents and illnesses, with no annual coverage limit. They also offer coverage for orthopedic conditions, prescription medication, non-routine dental treatment, and cancer treatments. Additionally, Figo provides a wellness package that includes coverage for exam fees, preventative care, and prescription diets. Figo also covers curable pre-existing conditions that show no signs or symptoms within 12 months of the last treatment.
The company offers a user-friendly app, Figo Pet Cloud, which provides features such as easy mobile claim filing, 24/7 access to a virtual vet, and the ability to view and track medical records, claims, and policy information.
While Figo offers comprehensive coverage options, it's important to note that they don't cover prescription food, sick exam fees, or supplements unless you upgrade your plan. Additionally, accident-only coverage is not available.
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Frequently asked questions
Figo Pet Insurance has received mixed reviews. While some customers have praised the company for its convenient and effortless claim process, smooth website experience, and prompt customer service, others have criticised the company for its low reimbursement rates and sudden increase in premiums.
Figo offers flexible and customisable plans, with up to 100% reimbursement and unlimited annual medical benefits. The company provides free 24/7 access to licensed veterinary professionals and has an easy-to-use app for filing and tracking claims.
Some customers have complained about unexpected increases in their premiums, with some reporting hikes of up to 113%. Others have criticised Figo for denying claims for pre-existing conditions and offering lower reimbursement rates compared to competitors.
