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: Wendy

Figo insurance is hands down one of the…

Figo insurance is hands down one of the best companies I have ever had to work with. I have used this insurance for almost 3 years and 2 dogs. I had to submit a few claims over the years and the process is quick and easy. My claims were reviewed and approved the same day that I submitted! Payment direct deposited into my account 48 hours later. Fantastic customer service, fantastic coverage and peace of mind for puppy owners!
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5

out of 5

POSTED: | BY: Jerry

Convenience and Fast

The mobile is extremely convenience, easy to use and the claim process is fast. My dog had an emergency and went to the hospital for stitches for her open wound. I filed the claim from my phone and uploaded all necessary documents from the mobile app. The claim was approved within two days and the funds was received within 4 days.
5

out of 5

POSTED: | BY: Natalya Davydovych

Very efficient processing if claims.

Very efficient processing if claims.
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5

out of 5

POSTED: | BY: Whitney Wells

Figo has provided me peace of mind...

Figo has provided me peace of mind during this turbulent first year with my trouble maker of a pup. Processing claims is extremely easy and quick. I am definitely renewing my policy for another year!
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5

out of 5

POSTED: | BY: Sandy

So easy and effortless!

I LOVE that Figo is so technology savvy. I can post my claims, review my policy, and everything else I need to know right through the app! The customer service reps are always so amazing and helpful. Hands down the best!
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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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