Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,599

  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: Ben

FIGO saved our puppy’s life. Thank You!

I can honestly say without reservation that FIGO was the most important decision I made when we welcomed our two Yorkie puppies into our family. We elected 100% coverage (an option not offered by most of not all of their competitors) for Cody and Lola. Throughout their first year as puppies they got into all types of trouble eating things they shouldn’t have and visits to the vet became more frequent than we’d like. Every time we could get the treatment our pups needed without fear of not being able to afford the vet care. This past year we were devastated to find out Cody had a liver condition that would shorten and eventually take his life. To get this news about our 2 year old baby was indescribable. We did our research and found that Animal Medical Center was the best place to go for the surgery Cody required. All in through the diagnostic tests, MRIs, CT scans, ICU stay and surgery the cost was to be over $10,000. Because of our FIGO coverage we could get the best care Cody needed and give him a fighting chance. I contacted FIGO and explained the situation and not only did they give us the confidence and pre-approval that the surgery would be covered they genuinely cared. Mackenzie at FIGO followed up frequently checking on Cody and wishing him well. FIGO also paid the claim a few days after Cody’s surgery I can report that 2 weeks post-op Cody is almost fully recovered and will now live a full and healthy life. We owe our Cody’s life to the surgeons at AMC and without our FIGO coverage we would not have been able to save our puppy without financial hardship. Thank you FIGO. We will be lifelong loyal customers.
5

out of 5

POSTED: | BY: Cindy Bunner

FIGO was there for me.

Highly recommend FIGO. Such a better value than the insurance that AKC gives you for your puppy’s first 30 days. I shopped around and checked reviews and I’m so glad I went with FIGO. They were there for me when our dog needed diagnostics, great honest company that stood by us. Do yourself a favor and insure your pet with FIGO.
5

out of 5

POSTED: | BY: Blanca Nahmias

Great Service

Great Service Great staff
5

out of 5

POSTED: | BY: Vincent Abrignani

Figo has always been responsive and has…

Figo has always been responsive and has provided Outstanding service. I am very satisfied with their service.
5

out of 5

POSTED: | BY: Carol Balfe

FIGO for my cats

I have had FIGO for a little over a year - and have had to submit claims on several occasions for my two cats. Early on, FIGO was undergoing some reorganization and claims were a bit slow. There was also a mixup about a preexisting condition for one of my cats. HOWEVER - FIGO was very understanding and gave me the benefit of the doubt. In the past two months, I had a couple of fairly large claims. To my pleasant surprise, FIGO processed and paid in less than 4 days! Very impressive!

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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