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.
4

out of 5

POSTED: | BY: BLawyered

Accidental ingestion is a pre-existing condition!

When I thought my puppy had swallowed a battery I contacted Figo to make sure I was covered and to ask some questions about the process. They informed me that if my puppy was inclined to eat non-food items, like getting into the garbage or swallowing a toy, then it is considered to be a pre-existing condition and they will not cover it. They also told me that they would only cover two instances of ingestion. And I have their best plan possible. Just an FYI.
5

out of 5

POSTED: | BY: Chris Greene

Great customer service!

With so many choices and options, my research and decision was made much easier with the friendly and extremely helpful answers to my questions.
5

out of 5

POSTED: | BY: Laura Scalley

Very happy

Judy was wonderful, and helped me choose the perfect plan for me and my dog! Thank you!
5

out of 5

POSTED: | BY: Elisa Luu

Easy, painless and straight forward

I have searched far and wide for pet insurance where I'm not just dumping money away every month with so many restrictions. I was referred by a friend who has said great things about figo. Also appreciated the response time and speaking to a real customer support representative who was very helpful and got straight to the point.
5

out of 5

POSTED: | BY: Jim

figo all the way

figo is the best pet insurance out door. Figo covers more for less. My dog had an acl surgery. a few months later the other knee had to be done. processed in 3 days. I started with preferred. with 5 months to go i only had 4 thousland left for coverage. I was able to up the coverage to ultimate for unlimited payout coverage. I recommend Figo to my vet and all my friends. Figo is a life saver.

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 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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