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: Jo

This is THE BEST pet insurance company!

I have had other insurance companies in the past, and Figo beats them all paws down! You file your claim on the Figo app which basically does all the work for you ( it maybe takes 5 minutes) and sometimes receive the reimbursement that same day! If they need extra info/ records, they let you know via email that they are asking someone for those so you don’t have to wonder what is going on! Figo also pays exactly what they say they will, no hidden ‘ oh we don’t cover that’ statements after the fact. When you need them, they are right there! Thankyou for your integrity Figo!
5

out of 5

POSTED: | BY: Tony

Excellent coverage, super-fast claim handling

I've submitted a few claims to Figo, and they've always been handed quickly, with very clear and fair explanations of what was covered. I've very pleased with my Figo pet insurance plans.
5

out of 5

POSTED: | BY: Jennifer

Figo is perfect

Figo offers affordable coverage. Easy claims, and quick reimbursement. They covered both my dogs knee surgeries in full and paid my claim within 48 hours. Figo has been a life savor!
5

out of 5

POSTED: | BY: Angela

Such a simple process!

I submitted a claim for my dogs TPLO surgery. The process was super easy. I took a picture of the invoice with my phone and the claim was approved within a couple days.
5

out of 5

POSTED: | BY: Bianca Buto

The process couldn’t have been easier

The process couldn’t have been easier. I love the guided claim set-up with the automated chat. And within the same day that I submitted my claim, it was completed. Very pleased.
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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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