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: Mallery DeVuyst

They are amazing

I never believed in pet insurance until I found this company. I’ve only had Figo a short time but I knew my girl was getting older and it would be a good idea just Incase something happened. We thought she had neck and back pain but within a couple of months the unimaginable happened and our girl had bleeding in her brain and we had to put her down at 7yrs old. I love Figo for having my back with all the emergency bills I’ve had to deal with. I will FOREVER use Figo, when we adopt our next fur baby.
5

out of 5

POSTED: | BY: Kayla

Absolutely amazing!

They were so prompt and amazing at getting back to us! It was completely hassle free. They covered our dogs surgery in full, and were so helpful with any questions we had!!!
5

out of 5

POSTED: | BY: Max Studley

Excellent Experience!

Always efficient with fulfilling our claims. They cover a lot for our plan and we can always count on them for providing us with great insurance. Thanks!
5

out of 5

POSTED: | BY: Winnie S.

FIGO is the best for my fur baby

The fees are very good and they have paid my claims within a few weeks. Glad I did my research!
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5

out of 5

POSTED: | BY: Jan

FIGO is a great pet insurance company

FIGO is a great pet insurance company. They have a great online system for keeping track of all documents for our dog, from immunizations to annual vet visits. Whenever we have had to file a claim, they have been very responsive and have settled everything 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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