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.
1

out of 5

POSTED: | BY: Scott

Paid heavy premiums for both of my…

Paid heavy premiums for both of my dogs. Every claim I had went wrong. I had to take time from my day to clarify call veterinarian to get documentation that I felt like it was there job. They denied a large claim stating it was in the 6month waiting period even though I was paying the premiums and wasn’t aware of the waiting period. Very deceitful to say the least. Wasted money with this unworthy company and time. I wouldn’t recommend this dog insurance company to anyone.
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1

out of 5

POSTED: | BY: Cole

They will do everything they can to…

They will do everything they can to avoid paying you and ripping you off
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4

out of 5

POSTED: | BY: Nelson Guevara Jr

great insurance cover

great insurance cover, very easy to submit claims,s and very prompt to reimbursement
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5

out of 5

POSTED: | BY: Jodie Campitelli

Figo has really come through with…

Figo has really come through with helping pay for my dog's medical bills. I have been really impressed with how fast claims are being processed and paid (3-4 days), the app is very easy to navigate so submitting claims has been simple. I highly recommend FIGO
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4

out of 5

POSTED: | BY: Mary

The process was quick to figure out and…

The process was quick to figure out and they were even faster in their response. I even made a mistake and they were able to address it without making any delays or comments.
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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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