Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,815

  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: Brent Sackris

Young pup gets bad news

I received some really terrible news after routine blood work of my young pup. It turns out after many additional blood tests costly specialist exam fees and even an ultrasound, he was diagnosed with renal dysplasia. This was incredibly devastating news especially to hear in such a young pup, my first ever actually, a real sweet rescue boy. Figo quickly reimbursed the difference for my policy and I am so glad I have them as a partner moving forward in trying to support my dogs congenital condition. It was so emotional and devastating finding out this news, that I can't explain how much this was lessened when Figo quickly covered the expenses. I'm hoping to give my pup the best life moving forward, and after experiencing this in such a young dog, I can't say how important it is for everyone to consider getting insurance. I won't have to choose between the best care and cost and I am so grateful.
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5

out of 5

POSTED: | BY: Jennifer

So helpful and friendly!

The representative I had was very helpful and gave me exactly the information I needed. She was also very friendly and personable, which made the experience delightful!
5

out of 5

POSTED: | BY: Julio

I'm glad I chose figo

I'm so glad I chose figo. Finding the right pet insurance wasnt easy, but once I decided to go with figo, everything else was a breeze. I highly recommend this pet insurance.
5

out of 5

POSTED: | BY: Mindy

Best pet insurance

So easy to use...very customer friendly!
5

out of 5

POSTED: | BY: Brianna

Amazing overall!!

I’ve never had a bad experience with Figo. Their quick with reviewing the claim and reimbursement is quick. My monthly premium is affordable and I feel that my dog is covered a great amount. I’ve been recommending them to my friends since I’ve had them!!
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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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