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: Jessica

So thankful for this for my older pups

We have four dogs, all older, all rescues, that have developed health issues since we joined Figo. They have been nothing but amazing - the claims process is simple through the app, claims are paid usually within 1-3 days, and any time I have a question the customer support team gets back to me immediately and are so kind. There’s a reason we insured all four of our babies with Figo and their service gives me piece of mind daily.
5

out of 5

POSTED: | BY: Katie Heeder

Figo is great!

My insurance policy is for my service dog in training, Ellie. We've had the insurance ever since she came home, and it's been wonderful. As puppies do, she's eaten dumb things or had odd symptoms pop up. It's been such a relief to be able to take her to the vet without having to fret over if I can afford it. Customer service is always super helpful and clear, I love being able to text them!
4

out of 5

POSTED: | BY: Amber

Excellent customer service

Vanessa was wonderful in her customer service and really getting as immediate action as she could for my dog’s condition. My only complaint with the company is that they can’t guarantee what will be covered, so that’s a bit stressful when you’re relying on the info to make a decision. Otherwise, making a claim is very fast and easy, and my first payment for what’s been covered so far came very quickly.
2

out of 5

POSTED: | BY: Sebastian

Doubled premium and more than doubled deductible after just one year.

Started my policy when my puppy was less than one year. When it came time for policy renewal (one year later), they raised our premium from $352.81 to $618.65 and deductible from $200 to $500. Needless to say, I'm canceling my policy.
5

out of 5

POSTED: | BY: Kathryn Keller

Highly Recommend

Awesome to work with and fast to process claims. I feel very fortunate to have pet insurance for my dog. It's a peace of mind.
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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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