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: Jimenez Family

FIgo

FIgo, Figo, Figo... It has truly been a blessing to have found an insurance company that really cares about and values dogs over profit. My family started the journey with Figo several years ago when we insured our first two dogs; Paisley & Skittles. From the very beginning we were treated with respect and charged fair prices. Earlier this year, Paisley became very sick and had to be treated at multiple emergency locations which ultimately culminated with her having to receive an emergency surgery that would save her life. I think that few dog owners ever really stop to think about just how expensive medical treatment can be for their loved pets. We certainly had not thought about it, and of course we had some reservations when it came to our experiences with human insurance companies. Needless to say, the medical bill for this treatment was extraordinarily expensive, but I'm happy to say that Figo was there for us and has since been there for our other pet; Skittles when she recently became ill. My wife and I now have two other pets in the family; Ellie & Bailey and they are also insured with the best company in town. I know that should anything ever happen to them, Figo has my back, and to anyone who's considering this company for your loved ones, I highly recommend it and promise that it will be the best decision that you will make for your pet. Thank you Figo!
5

out of 5

POSTED: | BY: Erin Suydam

Excellent choice!

Very short wait on phone! Great! Extremely helpful agents. Rates were the best I found doing my research. The process of signing up my new rescue was extremely easy AND I received a discount for rescuing a pet. I did a good amount of research before switching from my previous pet insurance! I wish I found FIGO sooner.... I wasted my money on another insurance.
1

out of 5

POSTED: | BY: S. Stone

Dont believe the good reviews

Dont believe the good reviews. I have spoken to no less than 4 other people that had Figo and had nothing but trouble. It seems they like to deny every claim and make you fight to get paid hopping you give up. I finally had to take them to small claims court and won.
5

out of 5

POSTED: | BY: Karen Hendren

I appreciate how quickly Figo responded…

I appreciate how quickly Figo responded to my claim and the staff have been great to work with. Thank you!
5

out of 5

POSTED: | BY: Brandon T.

Thank you, FIGO!

My 3 year old dog, Toby, had a very minor skin issue at the beginning of this year. The experience made me think about getting pet insurance. I shopped every company and FIGO offered the best value and their website was user-friendly. Who would have thought that less than 2 months into my policy, I would have to make a significant claim for a major, unexpected surgery for Toby. This was unrelated to a skin issue as that would have been considered a pre-existing condition, but thank God I had FIGO! Without FIGO, Toby would not have had the best care. The claims process was fair (they asked for a medical history). After review, the process was quick to receive payment. Also, the staff, Alex, in particular, was super caring and helpful throughout the claims process. I would recommend FIGO to a friend or family member. No question! The sooner you get FIGO, the better, especially if your pet is young. It's a must have!

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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