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: Julie

Couldn't Love Figo More!

I put a lot of time into choosing a pet insurance company and I couldn't be happier with Figo! For starters they send you the cutest welcome package with an id tag and collapsible water bowl. The claim process with Figo is so simple, and even more convenient they have an app so you can file a claim wherever whenever! Typically my claims have been processed and closed within 24 hours and the payment is in my account within a week! I often wish I could insure myself on Figo!! I have and will continue to refer all my friends/family to Figo.
1

out of 5

POSTED: | BY: Mer

Don’t buy it

They will manipulate your claims to deny the claim based on history that has absolutely nothing to do with his the actual injuries. Pet hospital was also aware and it took this company full month to deny my claim and charge me for new month. Even on their site it says 5-7 business days on claim approval or denied.
5

out of 5

POSTED: | BY: Jennifer

Easy to Submit, Fast Reimbursement

I would recommend.
5

out of 5

POSTED: | BY: Jennifer

Figo provides great service for a great price.

FIgo has been easy and efficient to work with. Their plans have fair-prices, good coverage, and they process claims quickly. We have had other pet insurance but none have been as pleasant as figo. We are very satisfied with their service!
5

out of 5

POSTED: | BY: Mary

Figo was there for Gabby!

Our wonderful new adopted dog, Gabby became critically ill from gastroenteritis. She was very weak and had to be hospitalized. I can only say thank you to Figo for all their assistance. I easily uploaded all her receipts and vet records to Figo and filed a claim. Less than a week later, the claim had been closed and the payment was sent out. Really impressed with this company!
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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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