Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,876

  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.
4

out of 5

POSTED: | BY: Kierstyn Hancock

Great insurance.

I am so thankful for Figo. They approved my claim within 24 hours of me submitting it, and saved me 1,000 dollars (of a 1300 dollar intestinal blockage surgery/treatment). I love the app and how everything is done through there, it is super easy to navigate and use. The downside is that you do have to pay off the bill before they will refund you. Luckily, my vet office offers in-house payment plans, so it wasn’t a huge deal for me but I can see how it would be an issue for some people. Also, the receptionist at my vet said they missed Figo’s initial call requesting medical history and were left with no contact info to get back to them. So I just asked them to email it to me, and I submitted it myself through the app.
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5

out of 5

POSTED: | BY: Blair

Figo has been great for us and our 18…

Figo has been great for us and our 18 month old golden doodle. They are extremely responsive on claims
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3

out of 5

POSTED: | BY: Molly

Stay for the Customer Service

Watch your premium each year - Figo likes to play the price gouge game. That said, if you are dissatisfied, Figo will assign you an excellent customer service representative to help you assess your options and find what’s best for you. Filing a claim takes almost no time at all, and claims are processed scary fast. Overall, Figo is legit. My only criticism is that they need to pay closer attention to their underwriters and price gouging.
5

out of 5

POSTED: | BY: Karen

There are many pet insurers. So glad we choose Figo!

Once we got our new puppy, then came the task of choosing our pet insurance. There were several options available all with varying reviews and recommendations. We chose Figo because of the positive reviews and ease of use app. We never dreamed that we would need Figo so soon with our healthy pup, but we did. Our puppy basically ate a chew toy and required several rounds of medical care. Fido’s app for filing a claim was super straight forward and so convenient to use. Figo also keeps you informed every step of the process which was simple and painless. The claims were approved and the funds were in my account in a very timely manner. We are so happy we chose Figo!
5

out of 5

POSTED: | BY: Sharon

My dog’s insurance claims Were so easy for me to make. And they were paid very quickly!!

I am very pleased with the ease of filing a claim and their promptness at paying my claim.m
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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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