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: Tia

Responsive, Helpful, and Convenient

Figo has helped with all the issues I’ve encountered and have always been pleasant people to deal with. The app is very user friendly and easy to navigate. I’ve been very pleased with the services and glad my dog was able to get his surgery. The reimbursement came back quick and I appreciate all the help along the way.
5

out of 5

POSTED: | BY: Paul A.

Easy efficient and great coverage

Love it
5

out of 5

POSTED: | BY: Vanessa

New to Figo and VERY impressed!

First time to purchase pet insurance. Thought we’d give it a try with our 3 month old yellow Lab. So far, very impressed with their customer service, email updates and reminders.
1

out of 5

POSTED: | BY: Rich Katin

TOTAL SCAM!!!!! DO NOT BUY

Do not buy this insurance. It's a total Bait ad switch. They have attractive rates when you start, but last year my premium went up 25%, and they said it was a adjustment to level their prices with other companies. I just got my annual increase, and this year it went up over 30%. Their prices go up faster than even my own health care costs. They will respond to this and other postings saying they will work with you, but all that means is that they will adjust your coverage to make your monthly payment lower, but you are also giving up coverage or raising your deductibles. my dog is only 2 and has been very healthy. There is no reason for these types of increases except pure greed on their part.
1

out of 5

POSTED: | BY: customer

Do not buy this insurance

Do not buy this insurance. It's a total Bait ad switch. They have attractive rates when you start, but last year my premium went up 25%, and they said it was a adjustment to level their prices with other companies. I just got my annual increase, and this year it went up over 30%. Their prices go up faster than even my own health care costs. They will respond to this and other postings saying they will work with you, but all that means is that they will adjust your coverage to make your monthly payment lower, but you are also giving up coverage or raising your deductibles. my dog is only 2 and has been very healthy. There is no reason for these types of increases except pure greed on their part.

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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