Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,605

  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: Jeanette Heideman

I will never have a dog without Figo again!

Scrolling through Facebook a few months ago I saw Figo. Looked into it and just on a whim, took out a policy for our Aussie. She's having some problems now. Met our deductible and i submit claims using the phone app, sometimes they are processed and approved the very same day! Payment comes out of my checking account and reimbursements go back into the checking account. I've called a few times with questions, the agents are wonderful, very helpful. I have already recommended Figo to my friends who own pets. We will never have a pet without Figo insurance. And I can use it anywhere in the US, if we are traveling we have insurance, unlike a policy through your vet, plus we have all her records if we are away and she needs to see a vet. I love everything about Figo. Even the website is really cute!
5

out of 5

POSTED: | BY: Joe Rochette

I couldn't be more pleased!!!!!

If I could give Figo 20, I would. I couldn't be more pleased with my transactions. All claims submitted via the website and this is extremely easy. These took only several days to process and the money was deposited into my account. I received all the reimbursement I was due according to the plan I purchased. I "stood on the fence" and waited for years to purchase insurance. I wouldn't hesitate at all to do so now after my experience with them. Figo has a customer for life!
5

out of 5

POSTED: | BY: Lisa Kanniard

Very happy with my first claim

Very happy with my first claim. Received a check in the mail a week later..
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5

out of 5

POSTED: | BY: Kate

Figo has been wonderful fro my dog and I!

I could not be more grateful for Figo! I've had Figo for a few months and my first claim submitted was approved in a matter of hours. Definitely recommend!
5

out of 5

POSTED: | BY: Francesca

Best decision I ever made for my pooch.

Best decision I ever made for my pooch.
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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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