Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,597

  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: Cheryl Schinski

Figo is the best for your pet!

Thanks Figo! My senior dog Chance has been receiving the best treatment for a complicated illness. Being able to get the help he needs means everything. Filing a claim is quick and easy online, reimbursement is fast! Any questions I have had were answered in a kind, helpful and professional manner. Choosing Figo was the best decision I could have made. Highly recommended!!
1

out of 5

POSTED: | BY: Mehmet Deveci

Loose with the definition of pre-existing conditions

+ The only good thing I can say is that I have heard many good recommendations about Figo Insurance. Yet, my own experience was not a good one. - I understand that pre-existing conditions are not covered by any pet insurance, Yet, Figo was very loose with the definition of pre-existing conditions. I uploaded all vet records of my dog as soon as I started the policy and asked for the evaluation to learn about the coverage for pre-existing conditions. --Which I suggest you to do too in order to not have any surprises--- - Getting a reply took a whole month. - My dog had kennel cough 5 months before the policy date, and had diarrhea 2 months before. As you all know, these cases are curable. My dog certainly has not suffered from kennel cough for 5 months, and diarrhea for 2 months. But, the insurance considered them as preexisting conditions and excluded them from being covered. - They kept claiming that all insurances will do the same, while Figo is the best to accommodate curable pre-existing conditions. It definitely was not the case, and that is why I am going with some other insurance. So, don't take their word when they claim "all insurances will do this", do your own research instead.
5

out of 5

POSTED: | BY: Kim Taylor

Quick claims settlement

Quick claims settlement. This makes it easier to have a healthy pet.
5

out of 5

POSTED: | BY: Callan Davis

Figo is the best pet insurance!

Figo is the best pet insurance we’ve found! Everyone I have spoken to at Figo is kind, knowledgeable and their turn around time is so fast!! I would recommend figo to anyone shopping around for insurance! They even did a pre approval for me so that I could determine if I wanted to move forward with my dogs dental procedure or not. So grateful for this company!
5

out of 5

POSTED: | BY: Terri Stevens

Figo has been nothing but great

Figo has been nothing but great! From the customer service to claims reimbursement. The turn around for refunds is literally so fast. They practice what they preach. Exactly what they promise from what is covered to their kind caring employees and customer service. Everyone is caring and patient. When you call and have a ton of questions, they take the time to answer all of them. I would and have recommended Figo to many of my friends. I feel confident that my pet is covered and I can focus on my pet's recovery rather than worrying about how I will be able to pay my bill. So happy with Figo!

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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