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: Bill Kulanda

Figo insurance stood by me as my 4 year…

Figo insurance stood by me as my 4 year old dog named Kratos experienced unexpected severe health issues. We had to go the emergency room multiple times during the month of March 2018. The medical bills were very high. My dog ultimately passed away from a pericardial bleed (rare). FIGO courteous and very easy to deal with in processing claims. They are the first insurance company that lived up to their contract responsibility without a single bit of resistance. I was a pleasure to deal with them and I would and have recommended them to my friends. Very nice people and very responsive. I highly recommend them to anyone who has a pet. You never know when the unexpected can happen. Bill Kulanda, CPA
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5

out of 5

POSTED: | BY: Brianna Scheeler

We chose Figo

We chose Figo, because their rates and coverage beat out every other company we looked at. We have not been disappointed. Filing claims and getting reimbursed is very quick and easy. We have not had to use our insurance for any medical emergencies yet, and hope that we never will, but the service we have received so far gives me the reassurance that if we ever did, we could make decisions for our dog based on what was the best course of treatment for him, and not just the best treatment we could afford on our own.
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5

out of 5

POSTED: | BY: Jenna

Figo processed my claim right away

Figo processed my claim right away! Everything was completed the next day! They were very helpful with any questions I had.
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5

out of 5

POSTED: | BY: Ashley A.

We love Figo Pet Insurance

We love Figo Pet Insurance! Their website is so user-friendly and their plans are amazing! We recommend Figo to all the pet-owners we know!
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5

out of 5

POSTED: | BY: Patricia Hill

FIGO cares about you and your pet

FIGO has paid thousands of dollars in claims for my dog. I have paid thousands in the past for other dogs, but did not have insurance. Having pet insurance makes it possible to provide the best possible care for my pet, particularly in an emergency, without that horrible feeling of going into debt to save your dog's life. FIGO cares - they have sent me cards and emails when my dog was really sick. I could not recommend them more highly. I tell everyone I know with animals to get FIGO.
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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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