Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,452

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,452

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: Shannon Moore

Fast, Easy, Accurate

Figo Pet Insurance has been awesome. Most of the time, the covered portion of my claims are paid within 24 hours from the time I submit the claim. The claim form is short and easy, with a simple way to upload copies of the Vet invoices. I would recommend Figo Pet Insurance to anyone shopping for good, pet insurance and fast turnaround time on claims.
5

out of 5

POSTED: | BY: Wendy Hughes

Awesome company with great customer service

We have had to use the insurance already and have had complete satisfaction as of this date. Everything stated in coverage is accurate and paid accordingly. Very satisfied and glad we are taking care of our four legged children. Even added our new puppy.
5

out of 5

POSTED: | BY: Patrick Cotner

Very easy to work with and awesome customer support

I would definitely recommend figo to anyone with pets
5

out of 5

POSTED: | BY: Tiffany

So glad to have found Figo

After rescuing our puppy in April, I found Figo in June to approve her with pre-existing condition (Erulichia) to be excluded, but covered otherwise. Several other companies wouldn't even write a policy on her due to PEC. Unfortunately, she was puppy clumsy and slid into the staircase and broke her leg at the beginning of August and it was all covered / reimbursed including physical therapy after some muscle atrophy due to 6 week cast. I am a firm believer of pet insurance!
2

out of 5

POSTED: | BY: Sarah Lindahl

Your premiums will SOAR EVERY YEAR!!!

I started with FIGO in 2017. I had done a lot of research and they had great rates and coverage and I started out paying $413 a year for my Lab who is now 3, and this year's renewal is $707 ! For my med sized mix dog it started at $324 and this year's renewal is $471. That is almost a $400 increase in 2 years, and that was WITH downgrading my coverage last year due to the ridiculous price hike. Now they started piecemealing the coverage, making the office visit fee extra, changing the deductibles etc. They SCREWED everyone who started with them and put their fur babies on this plan by making this coverage see so great then just grossly increasing the premiums. AND...there is no way to switch to another insurance because all the other insurance companies will consider everything that has happened previously as a 'pre-existing condition. That is how they can raise the prices so much because they know that your are SOL. Sure, they may get your claims handled quickly (if they are actually going to pay it) but that is the only reason they give for the price hikes. TOTAL SCAM. They won't pay for Rx's that are being sold ILLEGALLY on the internet by places such as Amazon, even if the Rx states on the packaging 'Only for Sale by Licenced Veterinarians', they will say it is available Over the Counter and so the will not pay it. If I could do over, I would go with Pet's best. Don't use FIGO. Pretty soon I will have to downgrade this to basically a super high deductible and consider it only if the worst were to happen such as major surgeries.

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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