Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,876

  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: Michele

Absolutely thrilled with Figo

We signed up for Figo after seeing it advertised to Costco customers. It was fast, easy, and we called two times to get all of our questions answered. Both times the reps were courteous and knowledgeable, taking time to explain the different covergages and relaying their own experiences which were helpful. This is our first time purchasing dog insurance and our experience with signing up and submitting our first claim was flawless and easy. We highly recommend Figo.
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5

out of 5

POSTED: | BY: Arie Sharony

the people at Figo were great

the people at Figo were great! they reviewed the claim and got the money back to me in the span of a few hours.
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1

out of 5

POSTED: | BY: customer

Didn't get reimbursed fo one claim

Didn't get reimbursed fo one claim. Nearly impossible to reach anyone for assistance. Waste of money.
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5

out of 5

POSTED: | BY: Stacey

Claim closed on less than one day

Claim closed on less than one day. Couldn’t have been faster.
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5

out of 5

POSTED: | BY: Cat

Quick, Easy and Painless Process to File Claim

We did our First Visit to the Vet for our dog Buddy. We paid out of Pocket $141 and was given $95 back from what we paid. I filed a claim and we got a response in hours and not days. It was easy to file and quick to do as well from uploading the paperwork. Puppy Insurance is a great investment so far for us.❤️🐶❤️
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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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