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: Rebecca Kightlinger

If you have pets, you need Figo

Thanks to Figo pet insurance, I have been able to give my pets the medical care they have needed. Figo insures our three dogs and three cats, and this year, the pet least likely to have gotten sick, a healthy two year old cat, contracted an overwhelming infection. Because Annie was insured, we were able to get her the advanced diagnostic imaging and biopsy she needed as well as the antifungal meds required to treat a resistant organism. Customer care is superb. I recommend Figo to every pet mom and dad who never wants the cost of care to determine whether a beloved pet lives or dies. I’ll never be without it!
5

out of 5

POSTED: | BY: Sara Clark

Amazingly easy

I was hesitant to spend the money on insurance for a dog, seemed ridiculous at first. But I have a puppy and was nervous that he would possibly get into trouble here and there. Of course he did, and I'm so happy that I had this insurance - saved me a bundle of money aleady! The claim process is easy and the turn around time is super quick.
1

out of 5

POSTED: | BY: Catrin

Not impressed

Not worth the headache. I’ve had to explain 3 times now on our claim that we’ve provided all records we have on our puppy and all records from his emergency visit and they keep asking for the same information. I physically went and picked up these records and provided them. My vet also stated they needed a fax from Figo with the requested info and never got one. I’d say look elsewhere and save yourself the trouble.
5

out of 5

POSTED: | BY: Tia

Responsive, Helpful, and Convenient

Figo has helped with all the issues I’ve encountered and have always been pleasant people to deal with. The app is very user friendly and easy to navigate. I’ve been very pleased with the services and glad my dog was able to get his surgery. The reimbursement came back quick and I appreciate all the help along the way.
5

out of 5

POSTED: | BY: Paul A.

Easy efficient and great coverage

Love it
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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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