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: Katie

Great value and service!

Even though our premiums have gone up it’s worth having this as we almost lost our pup last year. Figo was friendly, responsive, timely, supportive and allowed us to afford care for our pup Stan that we otherwise would not have. Thank you so much! Without you we wouldn’t have our little guy. Highly recommend!!
1

out of 5

POSTED: | BY: Shauna Johnson-Bell

Useless Ripoff

I have had Figo for almost 2 years and they have covered NOTHING!! I pay my premiums by auto pay but they INSIST on me paying my vet bill in full before even processing my claim. And NOTHING is covered. They always find a way to label it as a pre-existing condition or not covered. My dog has had biopsy surgery, nerve spasms, ear infections, and broken teeth but Figo wouldn’t cover any of it. One surgery was over $700. Figo covered 0!! I canceled and because I expressed my upset about the lack of coverage and their reimbursement policy I got a lecture from the agent. Done! Will never use or recommend Figo again!! Waste of time and money!!
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5

out of 5

POSTED: | BY: Aidan

Pet Insurance with fast, seamless and quality service

I normally dread submitting claims for insurance related services, but not with Figo. They have made it so seamless. The customer service is also of a super high quality, and things are done at a rapid pace. Highly recommend them.
5

out of 5

POSTED: | BY: Melanie Fiore

Fast and very easy.

I'm very pleased with Figo. Filing a claim on the app is extremely easy and doesn't require you going somewhere to fax it. That's the best part. They processed my claims in one day, and I received my refund in my bank account 2 days later. I would definitely recommend Figo. I've had other dog insurances, and this is by far the fastest and most efficient !
5

out of 5

POSTED: | BY: MARK MESSINA

Absolutely flawless! Took photo of bill, transferred it and my claim was paid within the week to my checking account

I tell everybody about if I go I can't believe how easy it is to use with the app on my phone it's a piece of cake
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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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