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: Courtney

You won't regret Figo!

Making a claim for my pup's vaccines was the easiest thing I've done in my adult life! I had some anxiety that the process would be hard and confusing, but Figo makes it so easy. I didn't have insurance with my last pup and regretted it heavily when it was too late. I chose to get not only accidents and injury, but a couple of add-ons, including routine wellness. Having the added layer of protection to ensure my boy gets the absolute best care, no matter what the situation is, has taken so much worry away for me. Losing my girl was so hard, sudden, and expensive - so much so that I didn't know if I could get another dog. The extra peace of mind that comes with Figo's insurance has made my new best boy's transition so much more wonderful and keeps us both happy and healthy. It's cost effective and they work so incredibly fast!
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5

out of 5

POSTED: | BY: Robin

So easy to file a claim

So easy to file a claim. I had a response within 24 hours. Very please and amazed at the quickness.
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5

out of 5

POSTED: | BY: Jacqueline

Fast and Easy

Claim process quick, simple and easy.
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5

out of 5

POSTED: | BY: Amy

Filing claim

Claiming the file was easy and the response was fast
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1

out of 5

POSTED: | BY: customer

Just dealing with a stubborn app

Just dealing with a stubborn app. They denied all my pet claims without any call. Just app-blocked. They could reach out to my vet to get my invoices approved but they would rather deny my claim.
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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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