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.
5

out of 5

POSTED: | BY: Melanie

Hands down - BEST pet insurance - compassionate team and easy to submit claims..

I have used Figo Pet Insurance for several years now. My previous dog had some serious health issues - and I added insurance too late to cover many of them, but some new ones came up that were covered, no questions asked by Figo. It was super easy to make a claim and get money back on expenses and procedures. When my dog unfortunately passed away, I chatted with an agent a couple of weeks later when I realized I was still paying for insurance and they backdated my account to the date I lost my pup and refunded money to me. They were so compassionate and willing to help. When we adopted our new dog last year, applying for Figo Pet Insurance was the first thing we did. It makes me feel a huge sigh of relief knowing we have it for whatever may come our way!
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5

out of 5

POSTED: | BY: Cary

Great customer service and…

Great customer service and communication! Investigate claims in a timely manner and let you know where things stand throughout the process.
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5

out of 5

POSTED: | BY: Dawn Shicoff

Great pet insurance!!!

Have never had to fight them for something to be covered....they were always fair and quick in confirming any claims! I have 9 cats and a dog with them! Would recommend highly!!!
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5

out of 5

POSTED: | BY: Bulasmom

New puppy, new insurance!

Well, after dropping my last pet insurance I was a little gun shy. I realize that everything is not covered, yet after paying for several years, I received no monies for anything. I searched the Internet and found out about Figo. Since I just got a puppy, I decided to change companies. Well, if responding quickly to questions was an Olympic sport, Figo would win the gold medal. They quickly respond, either through email or text. I also received notification about my claim quickly. If you are interested in obtaining a pet insurance and are a member of Costco, pull the trigger and give them a chance. Costco is currently offering a discount.
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5

out of 5

POSTED: | BY: WA

Took less than 1 hour to close the…

Took less than 1 hour to close the claim, very happy with Figo.
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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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