Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,437

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.6
  • 4.4
  • Count
  • 1
  • 5
  • 2,437

Updated: November 13, 2023

  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: Luis Cardona

Excellent customer service with a pet cloud that works extremely well!

I was a bit hesitant about signing up with FIGO since they're relatively young. But my experiences have great, from just signing up to submitting a claim. Probably one of the easiest processes I've ever seen. The customer service is excellent. If you don't feel like talking to someone on the phone, you can just text or email and get a response very quickly. Additionally, there are a lot of benefits that you get that you may not even be aware of. And the prices are definitely reasonable. I would definitely recommend them, as I already have to several friends.
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4

out of 5

POSTED: | BY: Zach L

Good start, great potential.

Basic account features are a good start but the UX can always improve. FIGO also does a nice job with coordinated phone and email customer service.
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5

out of 5

POSTED: | BY: Brynne

Best insurance for the health of your pet.

Figo should be the one you trust when it comes to your pet. With quick and honest answers, and great service. I wouldn't trust any other insurance.
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4

out of 5

POSTED: | BY: Debra D

So far so good

I have not had to file a claim so can't comment on that part. Enrollment was easy and I love the fact that I can have all documents in a centralized location.
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5

out of 5

POSTED: | BY: Renee Aka

Good so far

Haven't used it yet but customer service has been great so far.
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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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