Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,607

  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: Joan Carlson

No regrets on choosing FIGO!

I researched pet insurance for the first time when I got my Shepherd/Pit mix puppy early last year because it was clear early on he was a power chewer. My black lab had been a similar chewer and experienced two major surgeries due to inappropriate 'gastronomic adventures', chewing up and eating a tennis ball and then part of a toy he had destroyed in record time. Dewy has not eaten any of his toys, but was diagnosed while still a young pup with hip dysplasia. FIGO has been great, helping us pay for his diagnostic tests, medications and physical therapy. Hopefully with the care we have been able to give him, surgery won't be needed, but if it is, we know that FIGO will be with us. The claim process is easy, communications quick and clear, and claims have been quickly closed. Couldn't ask for more!
5

out of 5

POSTED: | BY: James

Excellent Pet insurance

This is the best pet insurance company! The claims are easy and processed quickly. I highly recommend this company!!
5

out of 5

POSTED: | BY: Barb

Wouldn’t be without it

Easy and fast claim filing and payment. Takes away the worry of unexpected vet expenses- gives me peace of mind.
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5

out of 5

POSTED: | BY: Craig Madison

Flawless Experience

I have nothing but praise in regards to all my interactions with FiGO. I only wish they covered humans!
5

out of 5

POSTED: | BY: Pamela Davison-Schroeder

FIGO is so awesome

FIGO is so awesome! I have recommended it to anyone who asks about pet insurance. I couldn’t be happier with their customer service. They process my claims quickly and efficiently.
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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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