Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,495

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 2.6
  • 4.4
  • Count
  • 2
  • 5
  • 2,495

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: Jennifer Shinn

I appreciate how quickly Figo reimburses expenses!

Their coverage is amazing for the price they charge compared to other insurance companies. We are very thankful that we enrolled all four of our dogs, one of which has 3 chronic illnesses and without insurance we would not be able to afford all of her treatments!
5

out of 5

POSTED: | BY: Emma Caroline Parijs

Draco

We have the unlimited plan for our two cats, Draco and Luna. Draco (2.5 years old) fell very ill and within a few hours we were in the emergency vet. He had many blood transfusions and stayed over night a couple times. It ended up being Leukemia in his bone marrow. Over the course of a couple days, we spent $5,494.00 and Figo reimbursed us $5,214.00 within a week and a half. It would have been quicker if my receipts had been completely itemized correctly. The emergency vet we went to had issues giving us appropriate receipts, so Figo contacted them for me immediately and settled any issues. After euthanizing him, a rep assisted me in canceling his insurance and even back paying us. Every representative I spoke with was extremely polite and went out of their way to help me. I am so thankful I did good research and picked this company!!
5

out of 5

POSTED: | BY: Michele

I love Figo!

Everyone is incredibly helpful and kind at Figo! I couldn’t imagine using any other pet insurance company.
5

out of 5

POSTED: | BY: Michael B.

You were there for us, Figo!

My 6-year old boxer mix started limping. After a couple vet visits, it was determined that she would need knee surgery and follow-up visits. I filed my claim for the surgery from my phone immediately after settling the bill, and received an email stating the claim had been closed by Figo later that same afternoon. The reimbursement was sent directly to my bank account and made available a few days later. All the claims filed post-surgery have been reviewed and paid promptly. The level of service I received from Figo through this stressful time has been outstanding! Very thankful we chose Figo as the pet insurer for our dog. Thank you, Figo!
5

out of 5

POSTED: | BY: Michael B

You were there for us, Figo

My 6-year old boxer mix started limping. After a couple vet visits, it was determined that she would need knee surgery and follow-up visits. I filed my claim for the surgery from my phone immediately after settling the bill, and received an email stating the claim had been closed by Figo later that same afternoon. The reimbursement was sent directly to my bank account and made available a few days later. All the claims filed post-surgery have been reviewed and paid promptly. The level of service I received from Figo through this stressful time has been outstanding! Very thankful we chose Figo as the pet insurer for our dog. Thank you, 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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