Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,646

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,646

Updated: May 29, 2024

  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: Dan Cowburn

Great Experience and would definitely recommend FIGO!

I have had a wonderful experience with FIGO thus far. My dog was sick and needed blood work, X-rays, follow up visits, medication, etc. once the deductible was met, they paid almost everything. It took a couple of weeks to get my reimbursement but I thought it was fairly timely. The only reason I gave 4 stars was because of this and because I have really only had one experience with them at this point. I would definitely recommend FIGO. This insurance saved me a lot of out of pocket expense with just one illness. We never found out what was wrong, but it waded up quickly and was a very high vet bill!
5

out of 5

POSTED: | BY: Whitney Roop

Love them!

We were given pet insurance as a benefit at work. At first I was a little skeptical about it because working in the Veterinary field you find out real quick who's good and who's not. Once I got everyone uploaded into their own profiles shortly after a representative called and e-mailed me just to check in and see if I needed anything. She even made it personal and commented on how cute my cat was, which really goes to show you she researched my account before contacting me. Figo has more than proved themselves. Thankfully I have only had to submit one claim and they were very fast and explained everything. They even sent Brie a get will card which was personally addressed to her and hand written. That speaks volumes about how much they care. When you call their office you get someone right away and it's not outsourced which makes a huge difference. I am very please so far with everyone I have felt with.
5

out of 5

POSTED: | BY: Anne Scarlett

Top notch service!

We bought FIGO pet insurance for both our cat and our dog in September 2015. So far, they have been terrific! First, I love the portal where we put all the claim submissions---it's quite easy! Second, I really appreciate that Lauren calls or emails me whenever our claim has been processed. Further, she has taken the time (on multiple occasions) to share her expert perspective as a vet tech---specifically about some issues relating to my furry beasts. In addition, Lauren was very helpful in digging through the existing vet records (prior to committing) to let me know what would be considered "12-month-pre-existing", versus what would not. While I do wish that FIGO would also cover special required food (ie perscription food and probiotics, for example), all in all, I think they are really great! I was quite nervous about getting pet insurance, and I'm appreciative that they have made the process painless. Thanks FIGO! PS> I think it's adorable that they send little 'get well' cards in the mail :) That said, you might want to consider emailing cards instead, and then putting that postage towards a good cause (ie ASPCA)...just a thought. But I really do think it's super cute!
5

out of 5

POSTED: | BY: Keith Richter

Great plan (they cover what they say they will cover)...no haggling!

Great plan (they cover what they say they will cover)...no haggling!
4

out of 5

POSTED: | BY: DMcNamee

So far so good

I've had good experiences with their customer service. I like having my pets records on hand so I can provide them whenever I need to. I haven't had to file a claim yet so I'm not sure how well that will go.

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.

Get a quote today

Leave a review