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: 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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5

out of 5

POSTED: | BY: Mike

Figo, Knowledge, expertise, Love of the job, thats Brittany F.

I spoke with Brittany F. who was able to answer all my questions, and is just as much an animal lover, just like myself. Dogs are our language and she took an immediate interest in my resent rescue story, as well as talking about the recent loss of my 13 year old golden. Brittany knows her job well and better than that she LOVES working for Figo. I had an instant connection with her, and I enjoyed speaking with her and how she explained how the pet insurance works with Figo. Dont let her go. Its a plus when you call in and speak to someone that can answer all your questions.
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5

out of 5

POSTED: | BY: Lee in Tennessee

Just signed up! Brand new customer.

I spent quite a bit of time reviewing different Pet Insurance Companies. Figo easily impressed me the most. I felt more comfortable signing up on the 800 number so I could speak with an actual person rather than filling out the form online. Judy was the young lady who answered my call and she was very patient and took the necessary time to answer all of my many questions. I was very impressed with her strong knowledge about the different policies offered by Figo. Judy was very positive and professional, and she made my decision to purchase coverage protection for my dog through Figo a lot easier. I believe I made a great decision today! :)
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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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