Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,622

  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: Sal

Figo covers the most for money

Last year, I looked at about 6 pet insurance companies and I finally went with Figo. I rescued a 7 year old english bulldog. Within a few weeks of purchase, the bulldog developed entropian. The surgery was 1700.00. I was not sure it would be covered as entropian is considered a bulldog congenital issue. I filed a claim with Figo app called pet cloud. The claim was processed with 6 days and received a reimbursement check 2 days thereafter. Weeks later, my bulldog Rex developed skin infections and was on apoquel. I really didn't do much but submit my claims. Figo contacted my vet to obtain Rex health records. Figo made life easy. Glad I chose Figo
5

out of 5

POSTED: | BY: Theresa

Great insurance! Agents are always helpful!

Great insurance! Agents are always helpful!
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5

out of 5

POSTED: | BY: Kris Johnson

I looked at 10 different pet insurance …

I looked at 10 different pet insurance companies and Figo has the best rates around. The coverage is fantastic better than my current company and half the price. You really can pick the plan that fits. It is straight forward anyone can understand. Make sure the company pays for the office exam if your pup gets sick or has an accident. They do! The website is simple and fast plus Brittany in customer service is awesome. Thanks I hope I never need to use it.
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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!
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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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