Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,622

  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: Annie

We love Figo

We love Figo! Our 90 lb GSD, Zigi, was a puppy mill rescue and we've learned that anything that can go wrong with his health seems to. He has had multiple surgeries - some major, some not - most of which can be chalked up to a poor immune system, and Figo has been a bit of a savior for us. It's stressful and heartbreaking enough when your dog gets hurt or is sick but knowing the financial burden is going to be much less with Figo it takes that part of the stress away. We are very grateful.
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5

out of 5

POSTED: | BY: Perry

Love these folks

Love these folks, great to communicate with and really empathize with us pet owners. Very professional and know their jobs well.
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1

out of 5

POSTED: | BY: Kelly

They increased my rate more than DOUBLE for no extra coverage

Figo was great at first for the first two years. Now suddenly my renewed policy increased in price more than DOUBLE what it was last year. With no warning in the mail or by email. All they did was send an alert in the app which I don’t check regularly because I barely go in the app since my dog is thankfully very healthy. The only solution they offered me was to change my plan for less coverage. Why on earth would I do that when I can switch company’s and get the same or more coverage for a lesser price. I convinced my family and friends to get figo for their price and I now had to warn them to switch before they get ripped off like I did.
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3

out of 5

POSTED: | BY: Gregory

Figo Unlimited Plan

Excellent service and plan options. Quick and easy claim processing and payment time. Only downside is the deductible and premium on my account almost doubled in the 5 years I had it.
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5

out of 5

POSTED: | BY: Madeline

Great Service

I’m an LVT and have had to help clients get their pets’ records to their respective pet insurance companies. The difficulty some clients have getting claims submitted is astounding. Figo is by far the easiest pet insurance company to work with. I can submit a claim through the app which makes it super convenient. I love having the documents at my finger tips so I can check my policy anytime I need.
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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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