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: JC_dog mom

Good insurance & easy to deal with.

I bought insurance hoping that I would never need it, but life did not work out that way. My 10 month old golden retriever had an incident where he broke his leg. On top of this stress, our region of the US had an ice storm that left vet offices closed and his surgery was postponed by over a week. Figo was so easy to work with to submit his many vet bills (surgery, follow up x-rays, and physical therapy), and the reimbursement payments came quickly. In addition to the basics of pet insurance, Figo offers messaging with veterinarians through the app which provided relief when our vets couldn't get into their offices and I had questions about how to keep my puppy calm with his injuries.
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5

out of 5

POSTED: | BY: Ann Alvey Triplett

Responsive n timely n as advertised …

Responsive n timely n as advertised Ty
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5

out of 5

POSTED: | BY: customer

I love figo

I love figo. I’d never had pet insurance before but after adopting my golden, I’m so glad I have it. She’s had a couple of unexpected surgeries and the claim process with Figo has been seamless. Love them!
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1

out of 5

POSTED: | BY: Kayla Schaffroth

So disappointed

So disappointed! Totally scammy! My $750 deductible was not actually a $750 deductible. They would take out 30% of each applicable claim before applying to deductible. So instead of having to spend $750 to reach deductible, I actually had to spend more like $1000. False advertising and they know it! Would NOT recommend.
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4

out of 5

POSTED: | BY: Cavalier mom

Figo processed my claim very quickly

Figo processed my claim very quickly and the website says how much they will reimburse me. I am a little disappointed that the percentage of reimbursement is lower than I expected.
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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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