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.
1

out of 5

POSTED: | BY: Caroline Harris

Would not cover my first claim

Would not cover my first claim, which included diagnostic bloodwork. I called and their reason why (it's been over a year since i left them) was ridiculous. I am STILL getting emails from them, even though I cancelled insurance with them and called customer support months ago to take me off their mailing list for figo pet cloud. I had tried figo thinking it'd be cool to use texting and apps, but at one point the app said my insurance had lapsed, even though i was still charged. tried calling and they had issues with their phone system. turns out it was just a system glitch. PetPlan became too expensive so i tried HealthyPaws and even those it cost more and doesn't cover exam fee, it's still worthwhile
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5

out of 5

POSTED: | BY: Janet Clemons

Wonderful experience when speaking to a …

Wonderful experience when speaking to a representative when I signed my dog up. She listened and took time to let me talk about my concerns without me feeling hurried or just a number. Signing up was enjoyable and convenient.
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5

out of 5

POSTED: | BY: Melody Webster

I worked with Judy on the phone after …

I worked with Judy on the phone after researching other companies and after looking through FIGO's website. She was extremely friendly and informative, especially after a conversation with a different company! I liked the options and coverage offered, more than others a lesser price. I'm looking forward to a great relationship with this company!
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5

out of 5

POSTED: | BY: David Stone

Exceptional service

Exceptional service from a company and individuals who care about your fur babies. I recommend them to anyone who loves their fur babies.
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5

out of 5

POSTED: | BY: Samantha Bierman

FIGO's great coverage and ease of …

FIGO's great coverage and ease of submitting a claim along with quick reimbursement made a very scary and stressful time a little easier to handle. I would HIGHLY recommend FIGO to anyone looking to insure their pet. Each time I have called FIGO I have dealt with employees that are extremely kind and professional.
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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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