Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,652

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.
5

out of 5

POSTED: | BY: customer

Great insurance

Never had pet insurance before. My dog had an accident with her toy box and was injured. Brought her to vet, had four teeth removed, submitted information to Figo and within a few days was reimbursed. Quick and easy to fill out the paperwork and do a claim.
5

out of 5

POSTED: | BY: Marna

Excellent customer service

Honestly I didn’t expect this to be so user friendly. I submitted a claim on the app and it was approved and closed in 30 min. They respond to any questions immediately. Such great customer service.
4

out of 5

POSTED: | BY: customer

We have had this insurance for a year

We have had this insurance for a year. They seem helpful and kind. The reason I didn’t rate them five stars is because they raised our premium significantly, despite the fact that they paid not one claim in this year. I realize my dog is a year older, but a nearly 20% increase seems like quite a significant bump.
5

out of 5

POSTED: | BY: Lisa

My pooch was there and then he wasn’t!!!

I was out in my yard with my pooch while I was watering my garden. I got distracted and then was not able to find him. A neighbor found him and saw his tag and contacted FIGO. I received a text that she found him and I was able to contact her immediately and got my dog back! Thankyou FIGO!!
1

out of 5

POSTED: | BY: quinn

Terrible customer service

Terrible customer service. We set our account up for auto renewal. They apparently changed payment platforms which stopped us from auto-renewing within our first year of service, and let our account expire after sending us two emails (one of which told us WE HAD AUTO-RENEWED). They told us our only option was to start a new policy, which would restart our waiting periods for serious injuries. Decided to switch providers after this terrible experience.

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 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.

Get a quote today

Leave a review