Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,696

  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: Shannon in Texas

I highly recommend Figo Pet Insurance

I've used Figo pet insurance since we got both of our fur babies as puppies in the Spring of 2018. They provide great coverage options, quick service, and quick turnaround times for claim payments. Any time we've ever had a question, they have been prompt to respond and fully answered any questions or concerns. They were very kind when we had to put one of our fur babies down in February of this year. I highly recommend them to anyone considering pet insurance.
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5

out of 5

POSTED: | BY: Shannon

Zero stress

Figo has taken the stress portion away from all of our illness trips to the vet with our Sable. She’s had multiple issues with allergies, hurt paws, and infections so having the piece of mind that those appointments aren’t completely out of pocket makes it completely worth having.
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5

out of 5

POSTED: | BY: Lisa

Easy submission & quick reimbursement!

Easy submission & quick reimbursement!
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1

out of 5

POSTED: | BY: Online Pvu

Claims denial is their policy

Conditions like bacterial infection of cats can happen over time. Figo straight up denied claims for simple things as pre-existing conditions. Not worth keeping the insurance. The good thing was that cancellation was easy.
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5

out of 5

POSTED: | BY: Renee

Great policy for our adopted pup!

Figo has been great with our adopted dog. It’s easy to file claims and they review them quickly and reimburse quickly. My dog had a major accident and I worried they wouldn’t cover her but they covered 90%! I have been recommending Figo to everyone!
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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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