Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,614

  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: Gemma Mangione

Figo is fair and delivers

I feel Figo is fair and delivers. Our 4-year-old lab mix had a sudden, extremely scary onset of severe kidney disease; we thought we would lose her. Figo came through on what we were owed in terms of reimbursements, without any games or trying to cut any corners. I do wish they had told us far in advance and through prompts that her complete medical history would need to be submitted before any medical claim could be considered. I'm sure this was in my start-up paperwork, but there's a LOT in that paperwork, so maybe some kind of prompt every time you log in, or a mandatory deadline? Thanks Figo for your help in protecting our pup!!
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5

out of 5

POSTED: | BY: Emily

Awesome as always!

Awesome as always!! Claim is quick and easy, money in bank account in like 4 days. Thanks Figo!!!
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5

out of 5

POSTED: | BY: ginkaas

Efficient Customer Relations Deoartment!

I called customer relations to tell them I received a new credit card to pay them by automatically. It was taken care of in less then 5 minutes.
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5

out of 5

POSTED: | BY: Wendy-Wayne Hughes

We have had Figo pet insurance for 2…

We have had Figo pet insurance for 2 years on our 2 furbabies and they have been awesome. Highly recommend!
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5

out of 5

POSTED: | BY: Elizabeth Ruff

I love Figo!

I love Figo!! I wish my own Blue Cross Blue Shield was this easy and accommodating. Figo is timely and they don't try to get out of paying claims like most insurance policies. I am so grateful to Figo. My new dog has had some health issues and I am just so grateful for this policy and how well Figo is run. Everything is so easy. LOVE IT!!
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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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