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: Lee

In a prefect world, all health insurance will be like Figo

Quick reimbursements, easy to understand policy limitations and rules, customer supports actually response with useful answers, complete transparency and full explanation when claims' are denied. For the past three years we had numerous claims approved and reimbursed in timely fashions. Me and my 2 cats had gotten more than our money worth with Figo. The peace of mind that it provides us -- knowing that I CAN take my cats to see the vet or to the ER, because they are covered -- is PRICELESS!! Figo's service is the very definition of the terms "insurance".
5

out of 5

POSTED: | BY: Barbara Franke

I have only had pet insurance since…

I have only had pet insurance since June, however, very impressed with the ease of using app and the quick response to submitted claims. Would recommend.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Doug K

Claim response improved

Initial claim response (~8 months ago) was slow, but recent claim was very fast (~1 week). Company strives to be transparent with fees and app is pretty easy to use.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Julie

Best thing I ever did!

Rescued three strays at 8 weeks and insured them as a precaution. From ringworm to upper respiratory infection to spay site infection to tapeworm, I was amazed at the coverage Figo spanned. Now at 16 months old one needs hip surgery and it will be covered. If not for Figo I couldn't afford the surgery and would have had to put her down. They process the claims quickly and reimburse just as fast. I tell my vets office and everyone I can that if you think about pet insurance go with Figo. Best thing I ever did!
5

out of 5

POSTED: | BY: KR

Excellent customer service and pays for itself

I've had my pup since March and Figo insurance since April. He's a good and generally healthy pup, but we have had to take him to the vet 3 times since getting the insurance. Each time, Figo has responded within 24 hours of receiving the claim. I really appreciate that the claims are broken down and each item is coded with the reason something has been or has not been included as a redeemable item. We were not surprised when a piece of a vet invoice denied - and that has only one piece of a vet visit. Otherwise, the 90/10 plan ($200 deductible) has already more than paid for itself.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review