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: jonah

Most Awesome Pet Insurance Company. That's FIgo!!

I was reluctant to get pet insurance. I'm glad I did. I was recommend Figo by my veterinarian. I researched other companies, but value wise, FIgo offered the most. After a month of being on Figo, My dog swallowed a toy, and a month after suffered upper respiratory infection, which later escalated to pneumonia. I spent over 1500 on vets bills. Figo saved me. I was reimbursed 90 percent back. process was a little over 2 weeks for first claim. second claim was faster. I recommend Figo to everyone. YEs to Figo
5

out of 5

POSTED: | BY: Lee Cohen

Bringing Pet Insurance to the 21st Century

Luckily i've not needed to made a claim, so this review is more of my buying experience and then being a member for around 6 months. I read a lot of reviews to find a price vs coverage balance for my 2 year old Poodle mix. Figo was incredibly competitive and the policy information was clear. What I really like about this insurance is the user-experience, the website looks good, is simple to use, you can SMS customer service and store your pet records in the cloud for when you need them. I easily signed up to Auto Pay with my bank, got a discount for adopting a rescue and feel that if I need to use them, then they will be there.
5

out of 5

POSTED: | BY: Shellaine Frazier

Figo is an excellent pet insurance company.

The Figo app is fairly easy to navigate and not difficult to use.. it allows a lot of important information to be stored. Filing a claim is straightforward and is relatively easy to do..
5

out of 5

POSTED: | BY: Michael Ferrari

Claims paid no questions asked

Two new pups got into some grapes. They both spent 3 nights at the Emergency ER for IV fluids to counteract the grape toxins. The vet bill was over $6000 and would have depleted our savings. It took a few weeks after I filed my claim, but I did receive a total claim payout of nearly $5000 after deductible and copay with no questions asked on any of the billing. If you are on the fence about purchasing pet insurance...join the crowd. I am glad I purchased the FIGO insurance and so are the pups!
5

out of 5

POSTED: | BY: David Gallegos

Life savers

My dog had an emergency and after submitting our bills, we got reimbursed right away! Love the fact that we can use ANY vet
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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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