Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,453

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,453

Updated: November 13, 2023

  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: Bryan Dohman

Great Experience

Prior to purchasing my policy, I read the coverages. As a result, I understood what was covered and what was not. I needed a policy to cover accidents and unexpected illness. I also wanted reasonably quick resolution if/when I filed a claim. I have not been disappointed and would comfortably recommend Figo.
5

out of 5

POSTED: | BY: Kelly

Fastest claim processing ever!

My pup has had quite a few issues going on lately. Bad stomach issues and then an ear infection diagnosed at the same time. I submitted claims for his first visit, then the second claim for his antibiotics once the culture came back. Each claim was PAID within thirty minutes of me submitting it. I seriously couldn’t believe the speed. Amazing job Figo! I can worry about getting my boy feeling better and not how I’m going to afford to pay for it.
5

out of 5

POSTED: | BY: Donna

So happy I went with FIGO

This is my first experience with pet insurance. We have had small dogs for over 30 years. Wish I had done it long ago. Filing was a dream, response time was amazing. Love it.
5

out of 5

POSTED: | BY: john

good company

ok
5

out of 5

POSTED: | BY: Bridgette McAdoo

Thank goodness for Figo insurance

Our bulldog unexpectedly became ill with pneumonia and after weekend in the hospital, we didn’t have to stress about the bill. We knew we were covered by Figo

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 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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