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: Beth

Very happy with Figo!

We've had Figo Pet Insurance for 2-1/2 years and unfortunately had to use it a couple of times for some fairly significant emergency vet bills. Figo has processed the claims and made payment immediately and have provided great customer service whenever I've reached out to them. Read the contracts and details before you buy a policy from any pet insurance provider to make sure you understand what you are buying. I did an analysis of 3-4 different pet insurers and am happy we went with Figo!
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5

out of 5

POSTED: | BY: Elizabeth Buckley

FIGO has been responsive and timely…

FIGO has been responsive and timely with claim reviews and reimbursement. I feel that the cost is fair for the benefits I receive. Very pleased overall with FIGO.
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5

out of 5

POSTED: | BY: Wja

Great response to our claim

We took our puppy to an emergency veterinary hospital when we were out of town. The hospital provided all of the required information about our pet's treatment. We submitted a claim to Figo, and Figo paid it in full and very quickly.
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5

out of 5

POSTED: | BY: Beverly Putnam

Answered all questions well

Answered all questions well
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5

out of 5

POSTED: | BY: Maury

My claim was resolved in a few days

My claim was resolved in a few days. When I called, the person who talked to me was friendly. Figo is the best pet 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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