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: LISA RODDY-BURNS

Figo delivers as promised with outstanding response time, professionalism and customer service!

Our young Labrador suddenly developed recurring head tremors one evening. Our vet advised to immediately take him to the vet emergency service and we were subsequently referred to a local pet neurologist given continued tremors and age of our puppy (10 months). This was a traumatizing and difficult thing to have happen and we were grateful to have secured Figo insurance as it enabled us to have the necessary neurological testing done for proper diagnosis and treatment for our beloved puppy. Figo did an amazing job in quickly processing our claim, and fulfilled everything they had committed as an insurer. We did a lot of shopping around, and chose Figo based upon reviews and coverage options, and are incredibly grateful we did! Figo is an outstanding company that stands by their word, and fulfills their commitment to our beloved pets. I highly recommend Figo insurance to all pet owners!
5

out of 5

POSTED: | BY: Yuni Lee

Why can’t insurance for people be this…

Why can’t insurance for people be this easy? Filled out the simple paper work on line and FIGO only took two days for the wire transfer. You can upload all the documents / receipts on line so all you need is a smart phone.
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4

out of 5

POSTED: | BY: Michelle Powell

I have experienced no issues with Figo…

I have experienced no issues with Figo Pet Insurance. They are responsive and I love that all can be done right from your phone through their app. My only constructive feedback is their online website takes a long time to load/launch upon logging in and when accessing certain items such as claims documents. It seems to spin and spin and spin. This also sometimes happens on the app as well. Otherwise I would have rated them 5 stars.
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5

out of 5

POSTED: | BY: Angelique D

Reliable and quick services during a difficult time

Reliable and quick services during a difficult time. My companion Jax suddenly got sick, an aggressive form of intestinal cancer. Figo was reliable though this difficult time.
5

out of 5

POSTED: | BY: LM

Great company

Great company. Easy to work with and they process claims quickly.
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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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