Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,877

  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: Carol L Molnar

This relationship may possibly work!!

Maxwell, our 5 year old beagle has been covered by Figo for one year. Our last beagle, Maxine was insured at 6 weeks old with the #1 pet insurance company. She was diagnosed with Cushings at 3 1/2 years old. The cap was unbelievably low, we received around $600 after spending thousands. Sadly we lost her in 2011 from complications. Lost my trust in pet coverage. Maxwell was 4 1/2 when I read about Figo. Everything is straight forward including customer support. Yesterday Judy went out of her way to answer my 50 questions, even found a discount for me. I feel comfortable with Figo. Thank you Judy!!
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5

out of 5

POSTED: | BY: Marie N

Fantastic policy and service

The customer service is so helpful, so courteous and so responsive. The policy is working as described.
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5

out of 5

POSTED: | BY: Blake Murphy

Very excited to finally have an insurance plan that i can confidently endorse and recommend to clients!

The whole process was very straight forward and easy to understand. Judy and rest of customer service portion of transaction was very pleasant and accomodating.
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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.
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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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