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: Christie

We have had Figo for 2 years for our…

We have had Figo for 2 years for our now 8 year old dog. We unfortunately needed to use Figo this past week as our dog was really sick and went to the vet and the hospital. After lots of (expensive) diagnostic work, she is on steroids and feeling much better. It was a great piece of mind being able to say yes to the work the doctors wanted to do because I knew I had Figo. Figo reimbursed us faster than the treatment plan! We are very thankful for both the quick response and not having to worry about the cost when we were so worried about our dog.
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5

out of 5

POSTED: | BY: Wendy-Wayne Hughes

Figo has provided excellent coverage…

Figo has provided excellent coverage and easy relations for over 2 years for our fur babies. We continue to use only Figo as our pet insurance company. Thank you Figo for being there when we need you
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1

out of 5

POSTED: | BY: Manuel Rivera

Screwed up a good thing

Extremely dissapointed in Figo. I have been a customer for 3 years and have enjoyed great service. However I recently received a renewal and my premium has increased and my coverages habe decreased. I had a 200.00 ded/ 90% reimbursement/ and a15,000 yearly max. Now I have a 250 ded/80% reimbursement/ and a 10k annual benefit. I'm certainly not up for paying more for less.
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5

out of 5

POSTED: | BY: Gregory Schenkel

Easy to use and provides you a peace of…

Easy to use and provides you a peace of mind for your pets wellbeing.
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5

out of 5

POSTED: | BY: Libby G

This insurance is reasonably priced and…

This insurance is reasonably priced and helped me greatly when my cat ate something he shouldnt have. It basically has paid for itself at this point with how much money i saved on his surgery.
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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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