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.
5

out of 5

POSTED: | BY: Carla

Highly recommend

Just signed up when adopting a new kitten. Let's start with the coverage and price, it's really a great deal. You have power up options and can truly customize your plan for any age fur baby. Had her first vet visit 7/5, uploaded her visit information and payment and filed my first claim. Expected a lengthy processes but within hours my claim was review and payment has halready been scheduled for the reimbursement. I have absolutely no complaints!! Would recommend to anyone with a fur baby!
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5

out of 5

POSTED: | BY: Adrian

Figo is awesome! Give them a chance!

I’ve insured several of my dogs with Figo all the way back to 2018. My dog Thor has been on Figo Pet Insurance since I adopted him in November of 2019. My experiences have all been positive. Filing claims is super easy and you can check the status of your claim on the Figo/Pet Cloud app. Customer service has always been top notch and they pay out reimbursements quickly. The only thing I wish Figo would have is direct pay to the vet. If they had that, it would help pet parents that can’t pay for vet care and then wait to be reimbursed. Great job, Figo!
3

out of 5

POSTED: | BY: Enzos mom

Meh...I guess time will tell

Nothing is ever covered and if it is the reimbursement is ridiculous. I'm scared to think what is going to happen if my dog really gets sick or injured. I am shopping for another insurance
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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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