Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,478

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.6
  • 4.4
  • Count
  • 1
  • 5
  • 2,478

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.
1

out of 5

POSTED: | BY: Michelle

DOUBLED MY PREMIUM ($42 to $86 a month)

This company probably won't last-- they were offering insurance plans that were too good to be true and must have finally realized because without warning they doubled my premium ($42 to $86) for the same plan. I only went with Figo because they had great coverage compared to cost and waived a lot of waiting periods for certain conditions (hip dysplasia, etc). However, if they will be doubling my premium to be able to offer this type of coverage, this is not what I signed up for. I should have went with Healthy Paws from the beginning and I would be past the 1 year waiting period. Wasted a year with Figo. Go with more reputable insurance providers. They are NOT IT.
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5

out of 5

POSTED: | BY: Monika Von

Very easy to deal with

It was very easy to file a claim and follow it. Quick response time. Quick resolutions.
5

out of 5

POSTED: | BY: Debra Maxwell

Extremely fast response to claim.

Figo quickly reviewed my claim & immediately provided reimbursement. The process is fast and easy. Felt like they really cared about our fur baby.
5

out of 5

POSTED: | BY: Nancy P

Met all expectations!

I switched both my dogs to Figo several months ago. Within a few weeks of the switch, my Lab, Daisy, developed a small soft tissue sarcoma (cancer) on her right front leg. It was removed by my local vet, two histopath reports done, a consultation with the University Vet Hospital (including chest x-rays), a consult with a surgeon, and a scar revision surgery scheduled for next week to remove a wider margin around the tumor area. Figo has been stellar in dealing with me and the bills. After meeting the deductible, and expanding my coverage to include exam fees (highly recommend that!!), they covered the 80% my policy indicates without question or hassle. The claims have been closed within a day or two, and money in the bank within a few more. I've been 100% happy with the service from Figo!
5

out of 5

POSTED: | BY: Cheryl Schinski

Figo is the best for your pet!

Thanks Figo! My senior dog Chance has been receiving the best treatment for a complicated illness. Being able to get the help he needs means everything. Filing a claim is quick and easy online, reimbursement is fast! Any questions I have had were answered in a kind, helpful and professional manner. Choosing Figo was the best decision I could have made. Highly recommended!!
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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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