Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,602

  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: Hanah M

The best value pet insurance on the market

Figo are by far the best value pet insurance available, and they offer an additional 5% discount for animals that have been adopted from a humane society. All of the staff I have been in contact with have been friendly and efficient. Their claims processing time has become much shorter recently - my last claim only took a few days to process. Their online Pet Cloud is useful for keeping medical records in one place, and it's very quick and simple to make a claim online. I would highly recommend this company to all pet owners.
5

out of 5

POSTED: | BY: Jesus Chavarria

They are quite responsive!

They are quite responsive!
5

out of 5

POSTED: | BY: Denise Kirshenbaum

Our dog Gorbachev hit by a car

Our dog got hit by a car and had to have surgery to repair her broken front leg. Also had an infection and some additional sugary to remove plate and screws at a later date. Completely covered. Very easy filing process and the return happened in a very timely
5

out of 5

POSTED: | BY: Megan

Best pet insurance EVER

Always helpful and honest. Have never had an issue getting claims paid out timely and have never had an issue getting them approved.
5

out of 5

POSTED: | BY: Ron and Ken Weprin

FIGO IS THE BEST!

FIGO has been there for us. Our golden doodle puppy, Lucas, just reached his first birthday on March 24th. It did not come easily. At eight months, and again at eleven months, Lucas had to have major surgery at a big veterinary hospital on Long Island. Needless to say, surgery is expensive. FIGO and the FIGO staff were amazing. Their first concern was for Lucas' health. Thankfully he is doing well. Secondly, they made sure it would not take very long for payment to be made to us. Without FIGO, we are not sure Lucas would have made it. Having him go through two surgeries was stressful enough, but FIGO was there to take the stress out of reimbursement. We compared many different pet insurance companies before deciding on FIGO, and we tell all our friends that they are the best, and they surely proved it. Anyone reading this review should have no qualms about insuring with FIGO. In a word, they are "terrific."

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.

Get a quote today

Leave a review