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: Lauren

Affordable, easy to use, fast

Before we had insurance, we had two different dogs come down with immune mediated diseases that got really expensive, and we got coverage so the financial decisions didnt become an emotional toll in the future. So we were looking for an insurer that we could trust when we were making expensive medical choices about our pets. We didnt want to worry about haggling. We were with Petplan and everything about them was great, except that ober the three years we used them their rates got so high their coverage wasnt worth it anymore. When we went to switch, I thought we would have to sacrifice either coverage, customer service, or both. Then we found FIGO and have been nothing but happy. Its exactly the same coberage, speed, and support as Petplan but for about 25% less. Petplan tried to scare us into staying with them by saying Figo would have to raise their rates, and while the rates have gone up, theyve gone up at exactly the same pace as all other insurers includong Petplan, so they are still really competitive. We have really loved how easy and fast it is to file a claim, and customer service has been quick to respond. Everything we would expect to be covered has been, so far no surprises!
5

out of 5

POSTED: | BY: Jonnie Geen

A good plan for my dog

I love the insurance program. The only problem I gave had is a message saying I needed to update my android app which I tried to do. I cant tell if the update Nov 2019 updated my app on the phone and the message said I couldn't use my current app in the new year
5

out of 5

POSTED: | BY: Madison

Great turnaround time and coverage.

I work at a animal hospital and can say that Figo is the best insurance company out there. Submitting claims is a breeze with the AI assistant. Reimbursement time is short. What is covered and what is not is very clear and if there is a question the answer comes quickly. I have my senior dog and my two kittens insured and plan to keep it that way!
5

out of 5

POSTED: | BY: SK

Great customer service!

I just filed my dog's claim for the first time with FIDO. Vanessa the customer service representative was very attentive and actively engaged. She made me happy that I chose FIDO.
5

out of 5

POSTED: | BY: Shannon Daniel

Policy review

The whole process is very easy and your info is easy to access. Claims are easy to make
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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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