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: Sree

Great customer service and fair pricing

I'm very impressed with Figo's customer service team and the overall interface experience in filing and submitting claims. We were searching for health insurance for our 9 year old dog, Tony, when we came across Figo. We liked the pricing structure and how the explanation of benefits was simple, so we went with it. The app an texting approach to contact customer service is fantastic, as you can get questions answered fairly quickly. We recently submitted a claim for Tony, and the whole process took less than 1 week! (including money in my bank). I highly recommend Figo to anyone considering affordable pet health insurance and great customer service.
5

out of 5

POSTED: | BY: Jeanette Heideman

I will never have a dog without Figo again!

This is the first time we've had pet insurance. I will never have a pet without insurance again. The app is really easy to use, when I need to call in, everyone is so helpful.
5

out of 5

POSTED: | BY: Amanda Hollmer

Wonderful service

My Husky ruptured a salivary mucocele seal and after several vet visits and attempts at getting it to heal, he ended up requiring surgery. Figo insurance allowed us to provide the absolute top care to our pup. The claims process is simple and payments were made on every claim (almost a dozen claims) within 48 hours. It is stressful enough having a sick or injured pet, trying to decide if you can afford to care for your pet properly shouldn't be a factor when making medical decisions for your furry family members. Having the peace of mind throughout this process, knowing I could provide my boy with the specialist care he needed is something I am very thankful to Figo for. I highly recommend them to any pet owner.
5

out of 5

POSTED: | BY: Karen Thorne

I am so impressed with the service that I am recommending to all my friends that have pets

I could not have asked for better service. Figo made a stressful time so much easier.
5

out of 5

POSTED: | BY: Alexei Frolov

Fast, easy, trouble free

My dog inhaled a piece of a vegetation branch which pierced a lung and caused a complicated and extremely expensive to treat medical condition. All diagnostic, surgeries and treatments has been promptly covered by Figo insurance after all paperwork and receipts scans submission online - they contacted veterinary facilities and issued electronic wire checks.
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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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