Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,655

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,655

Updated: May 29, 2024

  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: customer

You did not cover my dogs ear infection…

You did not cover my dogs ear infection claiming it is related to allergies however my dog does not have chronic ear infections and when the ear was swabbed it came back with a fungal and bacterial infection. She is a dog with floppy ears that likes to swim. It doesn't pay to tell your vet about an occasional itch!. They automatically write down "allergy" and prescribe Apoquel. My dog doesn't itch or take Apoquel. It is just another loophole to get out of covering an illness. An ear infection is not an allergy it is a treatable and curable infection.
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5

out of 5

POSTED: | BY: Allan and Nancy

Website is easy to use

Website is easy to use, Figo responds quickly and money is deposited right away
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5

out of 5

POSTED: | BY: Karina

The figo pet cloud app is amazing

The figo pet cloud app is amazing! I love how easy it is to submit a claim. And the response time and explanations of what is covered or not covered is excellent. In a world of too many buttons I really love the simpleness of Figo app.
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2

out of 5

POSTED: | BY: Debbie Davis

Well my dog had gotten into something…

Well my dog had gotten into something and got very sick. FIGO paid nothing and the customer service representative was unprofessional and couldn't answer any questions I had.
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5

out of 5

POSTED: | BY: customerSherrill Adamcik

Figo paid almost 3/4 of my ten grand…

Figo paid almost 3/4 of my ten grand bill for my dog who had a herniated disc in April. No hassles and my bills were paid promptly. My dog had a successful surgery and can run and walk again!
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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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