Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,592

  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: Jessica Cerino

Issues Resolved

I called because I got an email saying my payment wasn’t processed and my policy would terminate in a few weeks. I am on auto-deduct for payments so I knew I had to call Figo to get it straightened out. They were super helpful and explained the discrepancy and promised a better experience in the future. Thanks Figo!
5

out of 5

POSTED: | BY: Yannis Vassiliadis

Our cat had some emergency dental work…

Our cat had some emergency dental work that needed to be done and I’m glad we had Figo! They processed our claim promptly, they explained clearly what was and what wasn’t covered, and reimbursed us very quickly!
5

out of 5

POSTED: | BY: Michael Gugig

Terrific Customer Service & Claims

I have dealt with insurance companies for many years both personally and professionally. FIGO's people and processes are extremely consumer-centric. I frequently have claims approved within 1 day of submitting them and find the money in my bank account within just a couple of days afterwards. The FIGO team should be proud of their products and people.
5

out of 5

POSTED: | BY: stacy brecht

No issues and fast response

They have fast response time, great communication and explanations. No issues with getting approved or any issues with payment. They cover chiro and acupuncture and so happy i have insurance on my pup! Last year they did raise my premium, but i think it is close to industry average...so hoping this year it doesn't raise by much.
5

out of 5

POSTED: | BY: Eric D.

Fantastic experience!

Fantastic experience! Figo makes filing claims through PetCloud really easy and the response time is amazing! The explanation of benefits is also very clear and concise! Really loving it so far!

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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