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: Elliot Zaret

I am truly impressed!

I am truly impressed! I was skeptical about getting pet insurance and worried about claims getting denied, slow payments, etc. Well Figo has has put all my fears to rest! After going into debt when my labradoodle puppy ate a sock last summer, I decided I needed to get pet insurance for him and my older labradoodle. I shopped around and the cost vs. coverage seemed the best with Figo. It's very cheap for my puppy, but much higher for my older dog because he was almost 12 when I got it for him. Well the decision paid off! This spring my older dog got some senior issues that has required multiple visits to specialists and an overnight stay in the Emergency Vet and Figo has been a lifesaver! Filing claims is incredibly easy on my smartphone -- I can do it before I leave the vet's office. Most claims are processed within a week. Three claims I submitted on Tuesday were processed today, Thursday! And every claim has been paid 100% no questions asked. My dog still needs surgery, but my family can afford it thanks to Figo, and I'm not worried about battling over payment or waiting months for my reimbursement. That is a huge relief!
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5

out of 5

POSTED: | BY: Gregory P

Highly recommended

Highly recommended. Ease of claims, and performs as they should. Prompt payout
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5

out of 5

POSTED: | BY: Joanne

Judy was amazing...extremely …

Judy was amazing...extremely knowledgeable and helpful. Will definitely recommend to others looking for pet insurance. Joanne
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5

out of 5

POSTED: | BY: Orlando Rodriguez

Awesome! And thanks !!

Thank you very much for the card and picture of my Troy that recently past. This means so much to our family.. you are a truly caring insurance company with a heart ..
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5

out of 5

POSTED: | BY: Nasim Hasan

Jennifer was extremely patient & …

Jennifer was extremely patient & explained it all very patiently. Very nice lady
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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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