Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,619

  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: Debby Magee

I'm new to Figo for our Goldendoodle

I'm new to Figo for our Goldendoodle, Bailey, to be insured, but their text messaging system is AMAZING! I needed to get info from them when I was at the vet today and Jennifer from Chicago answered me immediately! I needed to have Bailey's knees certified so we don't have a 6 month waiting period. She was SO very helpful! So far, I'm so pleased with their customer service. Hopefully if we ever have to make a claim, it goes just as smooth!
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5

out of 5

POSTED: | BY: John

Exceeds Expectations x10!

Our experience with Figo Pet Insurance was simply perfection from start to finish. We submitted our claim on an iPhone, uploaded documents while still at the Vet's office, and within a week we were reimbursed for more than we expected. We had initial questions about our policy, and the customer service team has been consistently polite, knowledgeable and genuinely seems to care about our sweet girl as much as we do! Figo just exceeds our expectations at every opportunity and we are very grateful! Thank you FIGO!
5

out of 5

POSTED: | BY: Sander

Figo is the best pet insurance out there!!

I purchased FIgo for my golden doodle about a year ago. I chose the ultimate plan. What I like about Figo is the simplicity of the plans, the coverage, the customer service follow up, and the pet cloud app. I filed a claim recently as my dog develop allergies. My bill was 650.00 because of the exam, diagnotistic testing, and medication. I could not believe how easy it was to file a claim. All I did was snap a picture, and within seconds the claim was sent to the claims department of FIgo. I really do not much thereafter. They called my vet, and within days I was notified the claim was processed via email, and a few days later a remimbursement check was in the mail.
5

out of 5

POSTED: | BY: H Rize

These people care!

These people care!, so you truly feel valued as a customer and a pet parent. Claims are easy and prompt.
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4

out of 5

POSTED: | BY: Kim W.

Great customer service.

Great customer service. We asked our new puppy's vet for a pet insurance recommendation after reviewing a few and being totally confused with the insurance jargon coverage language. The Figo Pet Insurance information was gladly forwarded to us. The website dashboard is easy to navigate, however we had a few questions prior to finalizing. After speaking with Jennifer in customer service, who was very informative and helpful with all our inquiries, we were pleased to move forward with securing pet insurance through Figo. Only reason not given 5 stars is because we haven't had a need to process a claim, however the hope is that it will not be required.
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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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