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.
5

out of 5

POSTED: | BY: Christie

Figo is great-10/10 recommend

Figo is great. It’s easy to submit a claim, and claims are reviewed/processed at a good pace. They had lots of customizable options for securing a plan within your budget. The ability to text with an e-vet is also a game changer. That feature alone has saved us lots of money by avoiding unnecessary visits to our local vet.
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2

out of 5

POSTED: | BY: Goldenmom

Every year our insurance goes up by…

Every year our insurance goes up by almost $20 a month. Our dog just turned 5 and it’s almost $90 a month. Can’t imagine how much we’ll be paying when she’s *actually* old. And of course, I can’t shop around because now she has pre-existing conditions, like allergies.
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5

out of 5

POSTED: | BY: Susan Cleary

So far, so good.

I haven’t had to use the insurance yet. But on my first anniversary with Figo my premiums we lowered on both of my two Doxie pups and that is wonderful during these inflationary times!
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5

out of 5

POSTED: | BY: Kaylin

Easy and convenient for to file a claim

Easy and convenient for to file a claim and pretty fast turn around with reimbursement and detailed sheet about what was covered and why
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5

out of 5

POSTED: | BY: doug

Not Like Any Insurance Company

Okay, I don't write many letters to hardly anyone. This anomaly follows your out-of-this-world claims processing. I have worked in the allied medical field for three decades. This produced an abhorrence for the insurance companies involved. They are in the business not to pay. I'll stop there. Today my lovely-lady had her distemper shot (no cheap comments) and doing fine. I sent the claim in at 3:53 PM EDT (ON A FRIDAY). The claim was closed at 4:33 PM, FOURTY minutes later and payment made to my lovely-lady's checking account. I want to shout it from above, insurance companies CAN do things right. I'm beyond amazed. I'll be telling this story for a long time, it's too good to be true!
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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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