Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,614

  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: Brittany Leigh Drake

I was on the fence about getting health…

I was on the fence about getting health insurance for my rescue dog. She was relatively old when I adopted her, and I worried this factor would inflate her deductible and monthly premiums. I was also concerned about the ease of submitting claims, as I have an extremely demanding work schedule, and I don't have time to continually request forwarded veterinary records and justifications for services. I took the plunge via Figo after reading positive reviews, and I am so thankful that I found them! My dog was diagnosed with a hip injury a few months into our policy, and Figo has covered virtually every vet bill with no hassle. thanks to this insurance, we will be able to provide our dog with the care she deserves. I love Figo so much that I purchased a year of coverage for my friend's cat as a birthday present (for the friend, not the cat, she got a new feather toy).
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5

out of 5

POSTED: | BY: Janice Harr

Very helpful .

I haven't filed a claim just yet but I know there will be no issues. I had to call once & the lady was very helpful.
5

out of 5

POSTED: | BY: MariaTeresa

Great coverage!

My little Ollie was not feeling well so off to the vet we went - put a claim in at 9:15pm and it was processed by 10:30am the next day. I had money in my account the next day. I picked the coverage levels that I could afford and they gave me great coverage. They always respond to any questions that you may have. I would highly recommend!
5

out of 5

POSTED: | BY: Scott Rippey

Easy, quick and honest.

I am impressed with Figo. They delivered what was promised in my pet's insurance with no conditions or run around, quickly and painlessly.
5

out of 5

POSTED: | BY: Amy Claypoole

I love Figo!

I am so glad I got Figo pet insurance.. I have nothing to say but good things :) When I met my $250 deductible, I needed to bring Ori in for a visit due to "possible" ear problems. I filed my claim right away when I got home and within 4 and a 1/2 hours they had closed my claim and said the money will be in my account within 3 to 5 days..I was super impressed. I'm Also impressed with their customer service. Whenever I have sent them a text message about a question, etc, they always got back to me in a super/timely manner. Thank God for Figo
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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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