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.
5

out of 5

POSTED: | BY: Ruben Rivera-Jackman

Thanks Heaven for Figo Pet Insurance

I am so happy I decided to get Figo Pet Insurance when I adopted Olivia, mixed breed, 6 month old. Unfortunately she developed a UTI and kidney infection and had to spend two days in the hospital. Figo reimbursed me for all hospital and treatment costs minus my deductible. This is the best insurance ever. It would have been an extreme hardship to have to incur all the costs. I highly recommend pet insurance and in this case Figo Pet insurance. They were very supportive and responsive throughout the claim process. THANK YOU FIGO!!!
5

out of 5

POSTED: | BY: Boris

Best Pet Insurance

I was looking for an affordable pet insurance with extensive coverage for illnesses and accidents. I chose Figo. Figo did not disappoint. I'm not computer savvy but the pet cloud is so simple to use. I uploaded my dog's exam records using the app. I filed a claim using the app. Best part no lengthy forms to fill out. Figo is the only pet insurance I would recommend to any pet parent.
5

out of 5

POSTED: | BY: Julie Irwin

Two paws up!

My first experience with Figo has been amazing. Very quick and efficient customer service. Jennifer seems to really care about my dogs well being and my satisfaction with her assistance today! Much appreciated!! Two paws up!
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1

out of 5

POSTED: | BY: Andrew Collins

My plan was in a grace period after my …

My plan was in a grace period after my auto pay did not go through and they took two weeks to tell me. When I went to make payment they said coverage lapsed two days ago and if I renewed all the prior conditions would not be covered. They have above average programs, but treated me terribly and now I am paying out of pocket because my dog has a skin irritation problem that they did cover but no longer will due to their own error in allowing my coverage to lapse. Feels awful to be treated like **** after being with them for a year. They really screwed me, so be careful of that. In all my dealings up to that point they were nice people that I thought cared about my dog, but they are just a business.
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5

out of 5

POSTED: | BY: Nathan

Got Figo just in time!!!

The vet tech at my vet told me how she insured her dog with Figo, and how great Figo was. I signed my dog Roxie the next day and glad I did. Fifteen days after I signed up, I had taken her to the vet because she swallowed one of my kids toys and trouble breathing afterwards. The bill was 2400. Figo covered 80 percent of the bill as the was the coverage percentage I chose. Relieved. Thanks 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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