Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,449

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.6
  • 4.4
  • Count
  • 1
  • 5
  • 2,449

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: Matt

Figo out and get this insurance

Figo has been a great insurer - fast to respond to emails, quick to address claims, and have done a great job in explaining their policies when I was unclear. This is my first dog and I was nervous about the process of filing claims, submitting forms, crossing t's, dotting paws--I mean, i's...Figo made it all really simple. Customer service is one of the most overlooked aspects of digital companies. Not at Figo. They are empathetic and they act fast. What more could you ask for in a pet insurance company?
5

out of 5

POSTED: | BY: Brianna Farrelly

Why didn’t I find them sooner!

I love Figo! I am always recommending to friends and family. They are so quick with filing claims and their customer service is amazing; they’ll contact you next day if you couldn’t get ahold of anyone. They offer great plans and also give discounts to veterinary staff. My dog has allergies and everything has been covered.
5

out of 5

POSTED: | BY: Merle Barrett

Relieved!

I was so relieved when FIGO paid the claims for my dogs emergency hospital stay. I would not have been able to afford her care without FIGO.
5

out of 5

POSTED: | BY: Stephanie Shiller

Easy As Pie

Claims were super easy to file, and the they were settled quickly to our satisfaction. Our previous policy with ASPCA was nightmarish- always a lowball payment (usual and customary). Figo pays the Invoice amount, less your choice of deductible and Co Pay. Vet fees in our area are higher than other parts of the country, so Figo’s reimbursement structure is great. It’s hard enough when your pet is having major surgery and is very ill, it’s so nice not to worry about the expense of it all. Definitely a 10!
5

out of 5

POSTED: | BY: Callan D

THE BEST PET INSURANCE!

We rescued our pit a year and a half ago and I researched every pet insurance I could find. Figo was offering the most coverage for the lowest price. Since then I have had to file 5+ claims and the process using their app couldn’t be easier. Not only that but they close and pay the claims within days and my recent ones have been closed within hours of me opening them!!!! I couldn’t ask for a better pet insurance!! One time I also had to call customer service to ask a question before I filed a claim and they were so nice and competent and helped me get answers quickly.
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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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