Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,791

  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: Kelly

Excellent Customer Service

The Figo customer support team is the reason I chose to renew at my one-year mark. The first year went smoothly. Claims are processed online quickly (they have a very nice app as well) & turnaround time is super quick usually only about a couple days! The first claim might take longer because they have to contact your vet for your pet's medical history. At the one-year renewal time, this particular support rep Kelly was so responsive to my every need & answered so many questions for me via email. I was looking at other companies as potential options to switch since the premium increase was so drastic for my state, and Kelly's excellent customer service was the reason why I chose to renew with Figo insurance. Please do everything in your power to keep this person on your team (& give her a raise if possible)! Thank you so much for everything! (also) ~Kelly
5

out of 5

POSTED: | BY: Mary

Great service at a good price.

Figo is a great major medical type of insurance for your dog. It’s important to make sure your vet sends them all your pet’s records so they have them on file and current, but once you file a claim, they pay out very quickly. We put in a claim for over $4800 for a stomach surgery and had a check within four days of filing the claim!
5

out of 5

POSTED: | BY: Juan Enriquez

Very amazing

They help us when my doggy candy needed it the most an amazing great company. Highly recommended
5

out of 5

POSTED: | BY: Kelly A

I never thought I would give an insurance company the highest rating possible, but Figo is just awesome

Just Love it!
5

out of 5

POSTED: | BY: Kath

Best Choice in Insurance!

FIGO has been amazing and so supportive of my one year old Labradoodle! He is quite the rascal and have caused many unexpected trips to the vet. Filing a claim has never been easier or quicker! I have also chatted with a Vet through the app and it has been incredibly helpful! Best choice I could have made when I got a puppy!
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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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