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: Nicole Voth

worth every penny of the monthly premium

worth every penny of the monthly premium
1

out of 5

POSTED: | BY: Xiaobing Zhang

They won't waive your waiting period

I get this insurance and tried to waive the 6-month knee condition waiting period. I went to the animal hospital and get a medical document. But the insurance company insisted that the documents are not eligible to waive the waiting period. Disappointed with them!
5

out of 5

POSTED: | BY: PERRY

Prompt payment outstanding customer service

great service prompt payment. Figo rates an A+++ in my estimation. I am a medical Dr. and their service is much better than people insurance! Would highly recommend Figo
5

out of 5

POSTED: | BY: Meghan

Figo is a live saver

Figo is a live saver. Easy to use mobile app and just amazing what they have helped us save on our baby’s ICU stay. I’m their new biggest fan!
5

out of 5

POSTED: | BY: Gordon & Cooper

Loving Figo

Loving Figo! Figo have been wonderful with our pet's (Cooper) coverage. Always responsive and well organized in the effortless process in event of a claim filed by our veterinarian care. When they were backlogged--they sent us a email letting us know. We feel that Figo has our back during our pets formative years and we intend to keep Figo as our insurer during his life as part of our family.

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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