Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,594

  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: Emily Jay

Best Pet Insurance with Real People Accessible to Help

The entire team at Figo has saved me over and over again. My friends speak of their disappointment and declined claims from Nationwide, Trupanion, and Healthy Paws, and I am so grateful to feel the exact opposite about Figo. I've never had a claim denied and I'm eternally grateful for not only their coverage, but their excellent staff who genuinely cares about my dog's health. Simple "Get well soon" cards and occasional goodies like portable water/food bowls are cherries on top of a wonderful company. I would recommend them to anyone!
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5

out of 5

POSTED: | BY: Gina Gaus

Great insurance company!

I got insurance for my dog. I only pay about $30 a month and I have a $200 annual deductible and I get 100% reimbursement. My dog had an allergic reaction to something he ate and within 2 weeks, they had closed my case and were sending me my reimbursements. Very happy with this insurance company. They also were very helpful when my billing information changed and helped to make sure that I kept my pet insured. Without Figo, I would have been stuck with a $1000 vet bill
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5

out of 5

POSTED: | BY: Alisha Engel

Pet insurance that is easy, efficient and trustworthy

I reviewed every insurance company out there before choosing Figo, and feel I have honestly made the best choice. Their claim process has turned out to been as simple and transparent and they claimed it to be in their literature. I, also, appreciate their website and having my pups records at my fingertips, but most importantly I feel confident that my dogs health needs will be covered in the future and this is well worth it.
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5

out of 5

POSTED: | BY: Mark

Simply the best

Look around no further. This is simply the best and easiest insurance company to work with. In addition, they care about their fur babies and customers. They send a get well card immediately which is always welcoming, and whenever you need assistance you call and are speaking to the same person which gives you a sense of that small town feel where you don't have to deal with a random representative who doesn't know anything about you or the dog nor cares. If only human health insurance were so simple! :-)
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5

out of 5

POSTED: | BY: vince

Figo, great pet insurance company

I thought having pet insurance was not needed when we first got our puppy, Charlie. but now I am glad we have it and I am so happy to have chosen Figo. Very easy to work with. I would recommend this pet insurance to anyone with a pet.
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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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