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: Jim

Easy to file a claim

Easy to file a claim. and it was processed within 1 day.
3

out of 5

POSTED: | BY: Laura Beckendorf

Customer service is great

Customer service is great. They pay claims quickly but prices are high and they increase the price every year.
1

out of 5

POSTED: | BY: M W

I have had zero in refunds

I have had zero in refunds, managing receipts, getting things reviewed and it has been nothing but stress from this insurance and I want to cancel. Do not renew me. I have called and asked for help and that didn't make anything resolve. I'm all done.
5

out of 5

POSTED: | BY: WENDY REESE Christensen

I was thrilled to hear that my…Wendy Reese Christensen

I was thrilled to hear that my veterinarian had not heard that COSTCO had a PET INSURANCE called FIGO. on my first appointment for my puppy she read the documents that I brought with her on my Figo insurance and said "Yep good! yup that's really good! oh my goodness this looks like a great plan." We agree Wendy Reese Christensen
5

out of 5

POSTED: | BY: Tyler

Easy to understand

Coverage is clear and doesn't have grey area. It is easy to look up my policy to see what is/isn't covered so there aren't any surprises. I've used the coverage for the first time this year and was pleasantly surprised to find out they even covered the poison control call I had to make. I work with a lot of insurance companies at the vet's office I work at, but even on the vet side, Figo is great. It is the insurance company I recommend to new pet parents.

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.

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