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.
5

out of 5

POSTED: | BY: Mahjoubeh Foolad

Figo Review

Figo has been the best choice for me and my 4.5 year old Chihuahua, Rio. I've had him insured since before I got him in 2011, but unfortunately I went through a couple of different companies that had ridiculous limitations and outrageous per-incident co-pays. One company went out of business entirely! Figo's policy is so comprehensive, and allows for a once-annual co-pay and 90% reimbursement. It is truly the best peace of mind. I would recommend a policy to any pet owner!
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5

out of 5

POSTED: | BY: Erin Hoover

FIGO is fast & Easy!

Thankfully I've only had to submit one claim but it couldn't have been easier! I uploaded my vet bill & within a couple of days my claim had been processed & applied to my account. The customer service is excellent as well. I had a million and one questions before signing up & every concern was addressed! Loving this pet insurance. The biggest perk to FIGO over most other companies is the coverage of the vet's exam fee. That is a huge plus for me with a young, relatively healthy dog. Sometimes the exam fee is the biggest expense of my visit, so knowing it's covered is a great comfort!
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5

out of 5

POSTED: | BY: Diane

Figo Pet Insurance and Karl Sagan RULES!

I adopted a cat in September. I have a lot of friends with pets, some have insurance for their fur babies, some do not. Those that did have pet insurance discovered that the insurance they had didn't cover a lot. I wanted to ensue I did my due diligence and research as many companies as I could. It was overwhelming! It was just as confusing as human insurance! I had a conversation with Karl Sagan and I knew immediately that I needed to go with FIGO PET INSURANCE. Karl has even followed up with me and the issues I have had with my cat. Now, THAT is customer service!
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5

out of 5

POSTED: | BY: Nicole Emily Buckley

New Insurance for my FIRST Puppy!

I was so lost when it came to insurance when we got our new puppy, I didn't know where to start...but after talking with one of Figo's team members I was sure Figo was the right choice for us. Their platform and app also make it super easy to navigate! Very happy with our plan so far!!!
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5

out of 5

POSTED: | BY: brittany l

a must for pet owners

I signed up for pet insurance after discussing it with some friends that do cat rescue. they all recommended it, and I'm so glad I decided to do it. figo provided great rates and their customer service is fantastic, any correspondence I've had with them has been friendly and helpful. one of my cats had to go in for a kitty cold, I submitted the claim that day and it was taken care of promptly. I'm very happy with my choice.
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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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