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: TLMC

Happy with the service and app

Figo’s pet cloud phone app is easy to navigate. The virtual /text customer service rep. makes filing a claim quick and easy. The app functions well to upload documents / photos for claims and the claims processing turn around time in never more than a couple days. (Sometimes same day) they always include an explanation of benefits after the claim has been processed. I always have clear underrating of what they covered, why something was not (policy limits or decidable wasn’t met for the year). The policy has been worth it this year after one weekend ER visit.
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5

out of 5

POSTED: | BY: Lauren

2nd pet(kitten) 1st vet visit.

We took our new kitten to the vet to get all of his first set of shots, dewormer & microchipped & the bill wasn't too bad but having Figo Pet Insurance made the vet bill super low & we're very satisfied with our decision to go with Figo Pet Insurance! Even when I had a question it was answered quickly. The people that are a part of Figo Pet Insurance are caring & helpful as well as compassionate! "Yes Figo" P
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5

out of 5

POSTED: | BY: Debra Trujillo

Paid a claim only after being with Figo…

Paid a claim only after being with Figo for 2 months. It helped me out a lot. Thank you FIGO..,,
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5

out of 5

POSTED: | BY: Cathy

Great customer service

Customer service rep explained everything in simple yet detailed so I understood
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5

out of 5

POSTED: | BY: Hermesmom

Great experience with figo so far

Great experience with figo so far. Make sure to powerup to cover those checkup fee. We use vet online and that is also include in the insurance too, for that quick question you have.
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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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