Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,652

Updated: May 29, 2024

  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: Stephanie Hoover

Good insurance to have!

We are so happy we decided to get Figo insurance. Its the best insurance for our dog
5

out of 5

POSTED: | BY: Marney Neil

Great company, easy claims, adjustable plans

I was a little worried at first since Figo is newer to the pet insurance market but trusted the numerous positive reviews and I’m glad I did! I love that you can adjust the rates, coverage, and deductible to your needs. Within a month of opening our policy, my dog developed a leg injury. Then a few months later, she developed a mast cell tumor. Then a split nail with an infection. Figo claim filing is so incredibly easy via their app. Customer service is great! All of my claims have been covered and processed quickly. Longest claim took one week. Most have been 2-3 days. Quickest was 1 day. No hassle, automatic fund transfer if selected. They’ve covered everything we signed up- platelet rich injections, laser tendon treatments, surgery, meds. They’ve covered thousands of dollars of claims without hassle. The only hiccup (and not unforeseen) was the initial leg injury and showing it didn’t pre-exist. But that was our very first claim and once we got all the records turned in, things have been easy breezy. We are so incredibly pleased and thank God we got Figo insurance when we did!!! Otherwise we would have been making very tough decisions because Reese’s vet bills accumulated were over $4000.
5

out of 5

POSTED: | BY: Rosemarie Malizia

Don't hesitate to get this insurance it's wonderful

My cat had a condition entropion. This means his lower eyelid was turned in and scratching his cornea with his lashes. He needed surgery to prevent permanent damage to his eyes and to relieve the pain that he was in. He was operated on on a Thursday, I submitted the claim on Friday, I had my check by the middle of the next week covering the surgery which was expensive. The only responsibility I had was to submit all the appropriate papers that FICO needed and they took care of the claim. I would not have been able to afford this surgery and my cat would have remained in pain and possibly had his eyesight compromised. I'm thrilled with this company.
5

out of 5

POSTED: | BY: debrianna

Excellent service so far

I have had an easy time submitting my claims toward my deductible. the process is quick and response is too. i have not had to go beyond that as yet .the service has been great to this point!.
5

out of 5

POSTED: | BY: Elizabeth

Best Pet Insurance

We are so delighted with Figo Pet Insurance for our new red Irish setter Newton. The convenient Figo phone app allows me to start new claims before leaving the vet’s office, including uploading pics of claim forms, Vet progress notes, & photos as supporting documents. Claims are processed within 14 business days and the funds are conveniently deposited into the bank account of our choice. Customer service reps are always friendly, helpful, & knowledgeable. We highly recommend it!

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 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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