Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,614

  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: Lauren

Fast, easy claims and excellent customer service!

We got a new puppy and the vet recommended pet insurance. I was very skeptical and, after reading reviews of pet insurance companies, I didn't feel much better. I was about to give up when I found Figo. The website, sign up process, and pricing were straight forward and they promised to make pet insurance simple. I also liked that all of their documents and processes were online via the Pet Cloud and seemed easy to use. After reading some positive reviews, I went ahead and signed up (still somewhat skeptical). Unfortunately, exactly one week and one day after we signed up for Figo, we got the "opportunity" to give it a test run when our puppy accidentally ingested a naproxen tablet. We took her to the vet expecting that they would induce vomiting and we would go home only to find out that the pill could be fatal. She was admitted to the hospital and spent three days and two nights in their care. Every day, when the hospital billing coordinator would call with the financial update, I crossed my fingers hoping that Figo would be as easy to work with as promised. When the puppy was discharged, I logged into Figo's Pet Cloud and completed my claim in minutes (literally, it took less than 5 minutes). While waiting for a response, the nice people at Figo even sent my pup a get better soon card! A week after I submitted my claim, I got a response from Figo (accompanied by a call to ensure that I understood the details) and am thrilled to report that the vast majority of our bill was covered! There were no surprises as we knew our deductible and co-pay amount and, when I called to ask a question, I received a quick and helpful response. Based on our experience thus far, I highly recommend Figo Pet Insurance to anyone who wants some extra reassurance for their furry friends. We are even considering adding our older but healthy cat to the policy now that we know how quickly vet bills can pile up. Thanks Figo for turning me from a skeptic into a believer!
5

out of 5

POSTED: | BY: Cassandra Weiler

Figo is the best!

Figo is super speedy with getting claims processed. Their customer service is amazing especially Lauren. She did a great job with answering any questions I had and making sure a check that was lost in the mail was expedited to me.
5

out of 5

POSTED: | BY: Howard S.

Amazing Company!!

I got Figo for my 11 year old best friend. Three weeks he had cancer surgery and it was covered. Customer service was incredible, texting them was super easy and I filed the claim right from my mobile phone. Got paid in 3 days and they even sent a get well card. Such a cool company. Love their pet cloud too.... highly recommend.
5

out of 5

POSTED: | BY: Syed

Perfect, the whole process was smooth, happy customer!

Everything was handled nicely with the least input required from our end. Seamlessly done. Thank you Figo!
5

out of 5

POSTED: | BY: Amanda Glazar

Couldn't be happier!

I have always been a proponent of pet insurance. My last dog got very sick, and pet insurance made me able to get her the care she needed without worrying about the cost. Figo was instrumental in helping my current dog get better. She was starting to display neurological symptoms. I was able to get her an MRI and figure out what it was - hydrocephalus - and Figo paid 90% without any questions! Extremely Quick Service, too! I love how easy their app is, and their website and text service. Excellent company.

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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