Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,643

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,643

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: Mimi on behalf of Alfie

I love Figo!!!

I love Figo! When I got my puppy, 2 yrs ago, I had no idea that he wasn’t the healthiest. We saw a Figo booth at a pet fair and decided to get pet insurance for him. It’s been a blessing in disguise! Not only has it enabled us to get through a lot visits to specialists, it’s a company that is a pleasure to work with! Yesterday I submitted 3 claims. They were all approved and closed within 3 hours! That’s just remarkable!
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5

out of 5

POSTED: | BY: Hope Geallis

Very user friendly company

Very user friendly company, great customer service! Quick responses!
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5

out of 5

POSTED: | BY: Anna Ingram

The experiences I have had with Figo…

The experiences I have had with Figo live up to their claims (a pun!) of flexibility of plans, the availability of PetCloud and quick responses on claims. I’m glad I took out a policy for my Lab!
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5

out of 5

POSTED: | BY: Melanie Fletcher

Fabulous insurance company

Fabulous insurance company, easy claims. Love that it’s all done through a app on my phone. Very quick on finishing claims. Love that they have direct deposit. Nice not to have to wait on check and then go to bank. Best company ever!
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5

out of 5

POSTED: | BY: Julia H

I could not be happier with my decision…

I could not be happier with my decision to choose figo to cover my dog. I put countless hours of research and was unable to find better coverage for a better deal. They are open and honest about what they cover and the few things that they don't. Their process to file a claim is super easy and both times I had to do so their team responded quickly and I have not yet had any issues. I recommend Figo to everyone I know and when I get another dog in the future I will be using them.
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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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