Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,431

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.6
  • 4.4
  • Count
  • 1
  • 5
  • 2,431

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: Jeanette Heideman

I love Figo. Great agents and quick reimbursement.

I love being able to have access to all of my dogs vets paperwork. If you're traveling and you need to go to an emergency vet somewhere you have everything you know what treatment they have you can show the vet everything that's happened with your dog. Their agents are very friendly and helpful. And reimbursement come so quickly! I filed a claim and a few hours later I saw it was going to be paid. They keep you informed every step of the way. I'll never have another dog without FICO. Lost pet feature is also a good idea, you get a tag from Figo and if someone finds your dog they can look up the information and your dog can be returned to you, it's an extra level of security.
5

out of 5

POSTED: | BY: Linda Muzquiz

Excellent!! Highly recommend!!

I have used Figo insurance for almost a year and, with two rambunctious dachshund, I have had the opportunity to file more than a few claims! Figo insurance staff is always very responsive, very informative, and very helpful in responding to my claims! I highly recommend them!
5

out of 5

POSTED: | BY: Maya Thompson

Making a bad situation better

My dog was viciously attacked by a neighborhood dog, suffering a severe laceration to his left neck area and puncture wounds on his left ear. He ended up requiring surgery, having a drain placed, and sutures placed. He still has quite a bit of recovery to do, and his previously active lifestyle has been hampered quite a bit. However, Figo was able to settle my claim within a few hours of it being lodged. It certainly helped to put my mind at ease that at least the financial portion of this ordeal was taken care of. Figo provides great coverage and excellent customer service. I have already recommended them to my friends and coworkers.
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5

out of 5

POSTED: | BY: Craig

Awesome!!

FIGO has been great. This is our second year (our pup is 2), and we've had nothing but great experiences. The response time was always quick, but in year 2 it could not be any quicker. Claims are processed in a matter of hours (sometimes minutes!), not days. Thanks FIGO!!
5

out of 5

POSTED: | BY: Krysti Clinton

So thankful to have this insurance

This insurance has been amazing for my 4 dogs! They have been very responsive and are great with helping if you need them!
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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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