Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,791

  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: D. Lopez

GREAT CUSTOMER SERVICE. We have had Figo for our two dogs for…

We have had Figo for our two dogs for almost 6 years. They are very quick to review and reimburse claims. Pet Cloud makes filling claims easy and quick. Customer phone support was helpful when I had questions about a cancer treatment that was recommended for one of our dogs. When they didn’t know the answer right away they investigated and called me back with the correct information.
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5

out of 5

POSTED: | BY: Britt

Decent insurance that covers what you need

Decent insurance that covers what you want - you get to build your own plan. Figo links to your checking account and they pay you back in a timely manner with easy to read EOB's. This is my third year with Figo and I highly recommend them for all your pet insurance needs!! Five stars!!!!
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1

out of 5

POSTED: | BY: Paula

I am deeply disappointed with this…

I am deeply disappointed with this insurance, which I chose to avoid unexpected veterinary bills for my dog. I recently submitted a claim for a significant procedure my Yorkshire Terrier underwent, only to have it rejected twice. The rejection was based on the claim that the full medical history was not provided, despite it being included in the submission. This policy was meant to provide support and peace of mind, ensuring my pet was covered, but instead, it has added unnecessary stress and anxiety to my life. At this point, I am seriously considering canceling the policy, as it appears to be entirely ineffective.
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5

out of 5

POSTED: | BY: J D Silver

FIGO good online pet insurance

Insurance coverage oprions similar to human health ins. Claims pay 50% to 90% reimbursement depending on your premium. and get reimbursement check from FIGO fairly quickly when you pay your vet in full at time of service.
5

out of 5

POSTED: | BY: Shelley

Prompt review and payment

Prompt review and payment
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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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