Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,597

  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: silver4K

Great so far !!!!👍

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.👍
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.
5

out of 5

POSTED: | BY: T. Woodward

Figo is awesome!

I have absolutely no complaints about Figo - our premium is very reasonable, I love that we have a plan that covers exam fees, filing claims is very easy, and we get reimbursed within 2 days. I love that they cover non-standard vet visits such as behavior consultations. They will also cover prescription medications. I did a lot of research before choosing a pet insurance company and I have been very happy with this choice. We have been using Figo for about 3 years now!
5

out of 5

POSTED: | BY: Meghan

I will forever recommend Figo to anyone with fur babies!

Our previous pet had a lot of medical issues so I got the plan for Bella as a baby. Unfortunately she had major health issues at only 8 months old. Her two week visit in ICU would have been devastating financially but we paid everything up front. The amount Figo covered saved us over $8,000. My parents still tell me this plan was the smartest thing I’ve done yet.
5

out of 5

POSTED: | BY: Kim

Thanks!

Figo has been very helpful to me in terms of navigating their website, my cloud and helping me resolve an unsolved claim! Thanks!

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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