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: Elizabeth

Keep On Schedule

When we first got our new puppy we wanted to make sure we kept his wellness schedule up to date. We have had some hurdles with several illnesses also here at the beginning too. With FIGO’s Wellness Powerup and their quick turn around times on all the claims we have not been set back financially and have been able to continue to give our new puppy the love and support and wellness that we need to so he can grow up to be a strong and loving dog.
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5

out of 5

POSTED: | BY: customer

I made my first claim today

I made my first claim today. The app was easy and convenient. Easy to upload the paperwork that I needed to provide.
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5

out of 5

POSTED: | BY: Lina Zhitnik

It was there when we need it.

Figo insurance is easy to use and simple in explanations. As soon as we met deductibles, insurance reimbursed the rest. I just needed to submit necessary information and documents.
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5

out of 5

POSTED: | BY: joseph ragusa f

Jocelyn was very nice

Jocelyn was very nice and took care of my issues.wonderful experience.
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3

out of 5

POSTED: | BY: Sharon Tini

This is my first experience

This is my first experience. As I have questions now since my first claim was not properly handled. I need to educate myself
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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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