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.
5

out of 5

POSTED: | BY: Melissa

The best!!

I cannot say enough good things about Figo. Recently our 6 month old pup had to go to the emergency vet for respiratory distress. She has X-rays and thankfully no pneumonia. The X-ray did show a small lesion that needed follow up. I filed the first claim and Figo did everything getting my vet records and I had the expected money in a week. The next claim for the follow up was reviewed in 20 minutes. Claim was closed and money was on its way! We had money in two days! So so impressed! So happy we have Figo and it made decisions so much easier. Happy to say follow up xrays show the lesion was gone and our pup is healthy again!!
5

out of 5

POSTED: | BY: Sally

I would recommend FIGO Pet Insurance to anyone who has a pet

Our dog Ripley was just diagnosed with Bone Cancer. Needless to say, we are heartbroken and devastated. I call FIGO with some questions and the representative I talked to could not have been more helpful and sympathetic. As this was our first time working with FIGO I wasn't sure how this was going to work. But our claim was processed practically overnight. We were so pleased that FIGO did indeed meet the contract terms as we understood them. No questions, no sudden exceptions, no delays. FIGO came through for us when we needed it most. Just having to deal with our shock and pain over Ripley's diagnosis, our priority is caring for him. I am so glad we switched to FIGO pet insurance. Thank you so much for being exactly the kind of Pet Insurance company every pet owner needs.
5

out of 5

POSTED: | BY: Annette

Great Customer service and simple to file claimsA

I have had Figo for almost 2 years and they have been great. It's so easy to file a claim and they reimburse in a timely manner. Customer service
5

out of 5

POSTED: | BY: Andrea

FIGO IS FANTASTIC!!

Absolutely!!Awesome customer service and very prompt claim turnaround. I recommend FIGO TO EVERYONE!!
5

out of 5

POSTED: | BY: Stacy

Surprisingly easy and efficient.

Super easy process with great results. I spoke with customer service the first time to walk me though the process and they were kind, professional and efficient. I recieved reimbursement from my claim in a timely manner. And they even sent my Hershey a get well soon card that was hand signed by many agents! So thoughtful @
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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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