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.
2

out of 5

POSTED: | BY: Deb Dolphin

Dermatological issue loophole

Luna was diagnosed with a yeast infection in her ear. 7 months or so later, she developed a rash on her head, neck, and unluckily for us, near her ear. The claim was rejected as it was a "similar" dermatological condition within the same rolling 12 months." Even her Dr. wrote that the issues were completely unrelated and not even the same condition. But that didn't matter. Maybe if the rash had been on her belly far away from her ear, we would have had some financial relief. It's sad to post this, I've had Figo with two other pets and they used to be wonderful.
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5

out of 5

POSTED: | BY: customer

Claims are SO easy to file!

Claims are SO easy to file, which is such a relief when your fur baby is sick or injured. One our dogs had an injury that resulted in surgery this summer and we had all of our claims paid within a couple days of filing them. We were so thankful that financial stress was not a factor and we were able to have more emotional energy for our pet.
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5

out of 5

POSTED: | BY: laura

Peace of mind

I haven't needed to use Figo this first year, however it gave me great peace of mind to have it as a safety net.
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5

out of 5

POSTED: | BY: customer

Happy customer

Easy to use app when submitting a claim. Quick response. Friendly knowledgeable customer service.
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5

out of 5

POSTED: | BY: Micah Hester

Quick and Easy Claim

I made a claim and was reimbursed within 24 hours! The speed, ease and accuracy of the system is unbelievable. So easy. In this hectic season, this was a relief. Thank you!
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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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