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: Wendy-Wayne Hughes

Best furbaby coverage company

I have had Figo for one dog for 2 years and have frequently used the coverage on her active injury lifestyle. Fortunately our other dog has been covered for 1 year and have had no medical problems (yet). They are the best pet insurance I have had the pleasure of working with no reason to compare or change. Figo stands behind their coverages and expedient payout reimbursements. Thank you for covering our furbabies. You're awesome!
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5

out of 5

POSTED: | BY: Connie Garcia

Peace of mind

Claims can be terribly expensive. This gives us peace of mind if anything should happen.
1

out of 5

POSTED: | BY: ZAG

Prices are unstable

The company is youthful. They have a great product idea but the issue is that they’ve switched underwriters several times since their conception. My pets insurance more than doubled in cost, and as many of you know, pet health insurance considers pre existing conditions, so once you have a carrier you’re essentially locked in if you want care for a chronic condition. I highly suggest healthy paws instead. They have less bells and whistles but they have a stable cost - I’m switching all but one of my pets over.
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5

out of 5

POSTED: | BY: Ron and Wendy

Worry Free Health Care

We have 2 active Staffordshire Terriers that have access to 10 rocky/brushy acres In Colorado - needless to say our Figo insurance has paid for itself over and over. It’s been a great investment in our dogs’ health to not have to worry financially every time we go to the vet.
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4

out of 5

POSTED: | BY: Yvonne Bricker

I am disappointed that the rate went up…

I am disappointed that the rate went up the past 2 years and now my deductible is higher. If it increases again I will need to cancel my policy due to being on a fixed income as I am disabled.
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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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