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.
4

out of 5

POSTED: | BY: customer

Overall Mostly happy

Overall happy with service. One slightly irritating and slightly sketchy quirk I noticed on my only claim last year however. Our vet participated in a rewards program that offers discounts on your total vet bill once you earn enough points. Once you get to a certain amount of points, you can get a $50 or $100 discount on your total bill. Figo processed the claim and wouldn’t reimburse the covered expense because they took that discount ONLY off the covered expense rather than the entire bill. Had it been more than $30 to gain, I’d have pushed harder to have it appealed.
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5

out of 5

POSTED: | BY: Melissa

Very knowledgeable and attentive staff…

Very knowledgeable and attentive staff that answered our questions while deciding which provider to choose.
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2

out of 5

POSTED: | BY: Stephanie Lopina

Scam

I pay 150 a month for one dog. I use to have two with Figo but since moved one to nationwide for a fraction of the price that covers way more. Due to olives skin conditions we have to stay with Figo. However I don’t know why. They don’t reimburse anything at all. I still don’t even get the point of pet insurance over priced long wait times to get crumbs back and bad customer service. Stay away. Just put money aside every month for your beloved pet. These people are scam artist.
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5

out of 5

POSTED: | BY: Sylvia

It's only been a week or teo with FIGO…

It's only been a week or teo with FIGO an the claims process has been cake! I love al the features it has, and the email address feature is great! So much more convenient than scanning, uploading, etc. I have a different carrier for my other pets (it was/is an empaloyer plan), and I have had so much trouble! With my new girl, I decided to try FIGO... Best decision this far. I'll keep you posted :)
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2

out of 5

POSTED: | BY: F Campos

I recently neutered my dog and hoped…

I recently neutered my dog and hoped insurance would pay for some or all of it, but it was not covered. I also take my dog to the vet regularly for check ups and shots and purchase medicine for heartworms and fleas/ticks. I was also hoping insurance covered some or all of this, but it didn't. I'll keep it in case something really bad happens to my dog, but wished more was covered.
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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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