Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,837

  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: Susan

Above Expectations!

Claims opened and processed quickly after submittal! Claims communications clear and quick! Pet Cloud claims process easy to understand and upload of scanned bills/vet notes quick and easy! While claims instruction notes that first claim payments could take up to 21 days, reimbursement was in my bank account one day after approval! I also used the 'Ask A Vet' service with equally great results. Thanks Figo for being the exception and a great example of true customer service❤️
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5

out of 5

POSTED: | BY: PatO

So far so good.

Couldn’t be easier to file a claim and it was processed quickly and efficiently. So far I’m very pleased.
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5

out of 5

POSTED: | BY: Allie A

Best decision I made this year!

I've been using this service for about a year and it has been very well worth the money! The kittens we adopted had recurrent respiratory infections and though they are now under control, I would say the insurance paid for itself! The app is VERY easy to use as far as set up, submitting invoices and receiving the reimbursement payments (which always arrived promptly). Being able to text a vet with additional questions or to get advice is a WONDERFUL feature, and the piece of mind that comes with knowing that I will actually be able to afford what they need to stay healthy is unequivocally the BEST part of having insurance. It has eliminated the most stressful aspect of owning a pet. Thanks a million!
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1

out of 5

POSTED: | BY: Roman Barrett

I filed 2 claims and have never…

I filed 2 claims and have never received a ck to compensate me for the vet visits.
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5

out of 5

POSTED: | BY: Shirley

Submitting my first claim…

Going thru the process of submitting my first claim was simple with good, clear instructions!
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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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