Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,652

Updated: May 29, 2024

  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 Michon

I would highly recommend Figo Pet…

I would highly recommend Figo Pet Insurance to any pet owner. Once you sign up you have no worries. Filing a claim takes a minute or less. We have received checks within a week. Fantastic service, no need to sit on hold on the phone. Just scan your receipt from the vet, upload to your pet cloud and done. It's as easy as that and worth every penny. I hope we never have to max out our yearly benefit on any of out pets, but I am also extremely glad to know that if something like that did occur Figo would take care of us financially.
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5

out of 5

POSTED: | BY: Brian Kovalski

I love this Pet Insurance...it's fast

I love this Pet Insurance...it's fast, easy to use and covers most of the things that happens to pets.
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5

out of 5

POSTED: | BY: Michele M.

I have been so impressed with FIGO! Expectations exceeded.

I have been so impressed with FIGO, during the first 8 months of coverage so far. I got coverage for my 2 young huskies. Every claim I have submitted (8-10 so far) has been processed so quickly, way faster than I ever expected (like 1-2 days), and the deposit is in my account 1-2 days later. No concerns whatsoever with what they've covered. It's so easy, I haven't had any need to contact customer service yet. I've used the iphone app to submit my claims. My only negative is that the app is NOT ipad friendly (or at least it wasn't the last time I tried to use it ~6 months ago). Otherwise, very very pleased with this service!
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4

out of 5

POSTED: | BY: KC

Great payouts, steep premium increase...

Was a little skeptical because it's a newer company but my dog unexpectedly got cancer this year and the payouts have been stellar. Loses 1 star because her premium is going up TREMENDOUSLY this coming year (a 25% increase). Should have been a more gradual increase.
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5

out of 5

POSTED: | BY: Peter F. Whalen

Figo is well above any other pet…

Figo is well above any other pet insurance I have had before. They strive to do better each time I deal with them. i would definitely recommend them to anyone who is looking to insure a pet
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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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