Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,599

  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

Rates will dramatically increase

My insurance at the 1 year mark went from $75 to $120. I did not need to use the insurance as of when prices increased. Pretty disappointing to see that they reel you in with an affordable rate and as soon as you pass the holding period, rates jump. They also do not offer discounts for veterinary students (or any veterinary professional). Edit: generic replies don’t get you brownie points. I already reached out and was told “it’s based on the local cost of services, not insurance usage.” I work at the pet hospital, I know prices didn’t increase during that time.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Laura

Great insurance

Excellent customer service. Claims paid quickly. Website easy to use.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Paula

The vet was helpful in narrowing down…

The vet was helpful in narrowing down the problem with my dog. However, I did take him to emergency against her recommendation because he was so miserable. She was right and it was his anal gland, but it had ruptured, and he needed pain relief.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Steve Brown

I was a novice with using pet insurance…

I was a novice with using pet insurance for our new puppy. This means not knowing anything about pet insurance or insurance coverages. After researching insurance companies we chose FIGO and various coverages. Monthly payments were made and eventually a need for reimbursement arose. Although the amount wasn't exactly what I expected the claims were paid and an agent explained the process in full. We have renewed our annual membership and have been pleased with our coverages.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Long

Quick to set up, but not good

I went with Figo to see how they compared to Nationwide. I like their direct deposit approach to paying people back. However, the claim option did not work when I tried. I had to submit my claim through email and they did not cover as much as Nationwide. I am going back to Nationwide
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review