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: Amanda B.

AMAZING Service!

AMAZING Service! We had a couple unexpected claims we had to put through Figo this year with our puppy and Figo has always been prompt when dealing with our claims. Sometimes they were able to have the claim processed within the SAME day and the refund back into my account within the week.Their customer service representatives both through email and on the phone were always very nice and helpful whenever I had questions. Figo has saved us a lot of money in unexpected veterinary costs with our pup, the policy pretty much paid for itself. I'm always recommending Figo to any of our family or friends that have a pet. Thank you Figo for your exceptional service!
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5

out of 5

POSTED: | BY: Olivia and Lucy Cousins

Figo Pet Insurance is by far the best…

Figo Pet Insurance is by far the best insurance out there. My pet Lucy is very special to me and I don't know what I would have done without Figo. Lucy has been very demanding this past year with having bilateral TPLO surgery and Figo has been nothing but outstanding. Thank you for everything you have done for Lucy and I and thank you for having the most amazing customer service.
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5

out of 5

POSTED: | BY: Charlene

Very fast payment and great customer service!

Figo has been great so far. Very fast payment and great customer service.
5

out of 5

POSTED: | BY: C Andersen

I can't think of an easier insurance to…

I can't think of an easier insurance to deal with. I visit the vet, take a photo of the invoice, upload it to Figo's website and am quickly reimbursed directly to my checking account. Sometimes, a claim is processed in under an hour! And they have never challenged any vet fee or treatment. Great company.
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5

out of 5

POSTED: | BY: Danita Browne

There when you need it!

Honestly, I have become some sort of pet insurance evangelist after my recent experience. Prior to adopting my two cats (as kittens) in 2017, I did my research on pet insurance and went with Figo. I enrolled them the day I brought them home. Fast forward to September 2018 and my boy cat suddenly had a urethra obstruction which could only be resolved with surgery. It was very stressful and completely unexpected. I made many calls, emails, and texts to Figo during this time. There was a system glitch that had made it look like my policy was not up to date. Everyone I interacted with was kind, understanding and helpful. Figo has absolutely been worth every penny paid in premium. I don’t know what I would have done without it. Submitting claims is a breeze with the mobile app.
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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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