Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,598

  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.
2

out of 5

POSTED: | BY: Katy

Buyer beware, don’t buy unless your pup is in pristine heath.

They find many and varied reasons not to pay. I don’t even send in claims because I get so upset when they wiggle out. This is illegal with humans but going on in full force with pet insurance. It is a scam to drain your wallet with fancy suggestions that someday something may go wrong that they may consider paying. I am considering dropping it all together. Having difficulty figuring out why I pay, except I want everything customary for my pup.
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5

out of 5

POSTED: | BY: Karis Cats

Thank you FIGO

Thank you FIGO for taking care of all of our cats!!
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1

out of 5

POSTED: | BY: DianeP

Unhappy with the policy.

Unhappy with the policy.
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5

out of 5

POSTED: | BY: Heidi H

I haven’t had to make a claim (knock on…

I haven’t had to make a claim (knock on wood). The price is right and I don’t worry about high cost emergency vet bills. Thank you!
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5

out of 5

POSTED: | BY: Diana Burton

Assurance

We didn’t make a claim that needed to be reimbursed. But we like have the assurance of insurance.
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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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