Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,601

  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: Sandy

Extremely compassionate, helpful with claims and very knowledgeable about dogs

The claim assistants Alex and I believe Liz were wonderful and helpful. They were very supportive, sympathetic and compassionate thru my dogs major surgery. They went above and beyond to help with everything. It was a very difficult time and having their help made it much better. My dog needed extensive veterinary and rehab services. Now we are pre approved for laser treatments. I would recommend Figo to any pet owner.
4

out of 5

POSTED: | BY: Bryan

Slow at processing claim but well worth the wait.

My dog started to violently vomit and never has before throughout the entire time I've had her. I took her to the doc ASAP and she was diagnosed with acute pancreatitis. The bills were somewhere in the range of $6 - 700, which I didn't have at the time. I received my claim back from Figo a few weeks later, eternally grateful! The only downside was that it took a while to process because we had adopted my dog from a shelter. Since I had never filed a claim before and only had taken her to the vet once since we got her, I needed more documentation on her prior health history.
5

out of 5

POSTED: | BY: Michelle

Great for my Fur Baby

I've only have positive things to say!! So far, so good! The initial setup was a little confusing but once it was setup it's been a breeze. I love the ease of the online app!
5

out of 5

POSTED: | BY: Ivonne

Peace of mind

Recently my cat had a little accident so I rushed to his veterinarian, meantime I was waiting I was thinking how good I was feeling because my cat has an insurance that worked perfectly!
5

out of 5

POSTED: | BY: Darby

Well worth it

I did lots of work comparing many insurance policies and companies and Figo came out on top. I purchased the 100% coverage and could not be happier, especially since my pup had to have emergency surgery after eating a cloth toy. A few months later she was attacked by another dog and had to have an emergency appointment to stitch her up. Figo has an app which is super easy to use. I've had to make 2 major claims so far and they have been wonderful about refunding me promptly.
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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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