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: Ken Rosenblum

During trying times Figo was very understanding at effective

Very very pleasant to work with. They seemed to care about making the claim process go smoothly, knowing what mental issues we were already facing
5

out of 5

POSTED: | BY: Jill Snyder

Figo is the best!

Figo insurance is straightforward and easy to understand. The process to file a claim literally takes less than a minute and reimbursement typically occurs in less than a week. Their customer service has been friendly and efficient when I needed to contact them. I absolutely recommend them to everyone I know with a pet!
5

out of 5

POSTED: | BY: Teresa Taylor

It's the best money I've invested in my dog's health care, receiving benefits well exceeding the premiums.

I took out Figo insurance when my rescue dog was about 5 months old. They have paid claims without any problems and have communicated any concerns immediately (like when my vet submitted a claim before I could and didn't include the itemized bill). I eally don't think I'll get another pet without obtaining pet insurance for it. I have received benefits beyoud the premiums, and I'm very pleased with Figo's manner and timing of processing claims.
5

out of 5

POSTED: | BY: silver4K

Great so far !!!!đź‘Ť

I just Signed up not long ago I made a mistake on one of my dogs policy and I had to call in they where great they fixed my problem fast and was very helpful in answering all my questions.đź‘Ť
5

out of 5

POSTED: | BY: Cindy Jarrow

Best thing you can do for yourself and your fur babies!

First, when shopping for pet insurance you will find that Figo, hands down, provides THE most flexibility in policy customization. Once you select your coverage level (yes there are options!) you can choose from several combinations of annual deductible, annual payout limit, and percentage of coverage. Figo is also one of the only (if not THE only) pet insurance companies to offer both an unlimited annual payout option and a 100% coverage option on claims (most max out at 90%). So let's talk claims... I have three cats and a dog and unfortunately have had to use my pet insurance on more than a few occasions (no worries they are all fine now). Simple. Basically just upload images of the bill then wait... and not for long. The quickest turnaround between submitting a claim and confirmation of coverage was 14 minutes. No $h*t. I think the longest may have been one business day. Then just a few days until the money hits your account. One more thing - cost. I have spent the time and have done the research on I believe every pet insurance company in existence (I can spend time doing that because I have no human children). Figo has the most competitive rates for the coverage. Period. I know this is a very wordy review but there are very few things that I am this passionate about. I am very grateful for this insurance and tell everyone about it that will listen. I could not recommend it more. Thank you.

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 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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