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.
2

out of 5

POSTED: | BY: Brianna F.

Unhappy with New Underwriters

I'm unhappy that Figo has chosen a new company to underwrite their policies. I'm even more unhappy that pre-existing users were not given the option to be grandfathered into their old plan, but instead were forced to swap. Under the new plan(s): - Emergency exam fees are not automatically covered, - There is no option for the old $200 deductible, and - The 90% reimbursement rate is roughly 25% more expensive than it was previously (for me, although I'm reading here that it has near doubled for some). Ultimately I'll keep Figo because I do appreciate how quickly claims are handled and their customer service response time is unparalleled, but I am disappointed with how they've chosen to roll out this change.
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5

out of 5

POSTED: | BY: Erica Vasto Schulke

Excellent Experience

Claim was super easy to submit and had my reimbursement within a few days. So simple!
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1

out of 5

POSTED: | BY: Alicia Bolling

I loved this insurance for the first…

I loved this insurance for the first year then they changed their underwriter. My deductible is now nearly 4x higher and my monthly payment has doubled. I was informed well ahead of time of the change in underwriter, but was led to believe I would be receiving the same coverage. I’m also being told I can’t make changes to my premium. Now I’m debating if it’s even worth it all. I’ve only ever filed one claim in the year I’ve had the insurance and it wasn’t even enough to surpass my (at the time) low deductible.
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5

out of 5

POSTED: | BY: Becky Lantz

Figo has a very user friendly app and a…

Figo has a very user friendly app and a quick turnaround when making a claim! I love the options available for coverage too!
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5

out of 5

POSTED: | BY: Felipe

Great value

Great value, quick claims via their app, customizable coverage, what’s not to like? I compared FIGO closely to other pet insurance programs before deciding on my purchase with them. Their benefits seem so much more better than many other programs and I have been VERY happy with them since.
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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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