Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 1,776

  • 60 Days
  • 1 Year
  • Lifetime
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  • 4.4
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  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.
2

out of 5

POSTED: | BY: JJJJJJJJJJ

Considering cancelling

Not impressed and considering cancelling. While signing up was smooth, we were denied a basic claim that clearly fits under cancer screening coverage. It was denied outright and when we follow up up there was no response. It’s not clear why we would pay for some thing that we cannot use. Therefore, we are just giving them free money right now not thrilled, but also not sure about real alternatives in the market.
5

out of 5

POSTED: | BY: Toast

Figo’s app is very user friendly

Figo’s app is very user friendly. Great customer service as well. We couldn’t be happier :)
5

out of 5

POSTED: | BY: Arryoaa

Great company

Great company
5

out of 5

POSTED: | BY: Susan Theriault

Parts are made so fast and that’s so important

You make they payments quickly and that’s appreciated. I did notice that my insurance went up a lot and for that I’m not pleased.
5

out of 5

POSTED: | BY: Haunan

Quick response and quick reimbursement

Quick response and quick reimbursement. So far so good.

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)
Provider website
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.
Provider website

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