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.
2

out of 5

POSTED: | BY: Lexi N

After a few years with Figo

After a few years with Figo, I am saying goodbye. I had hopes that Figo was going to be the disrupter of the pet insurance industry and so it is with a heavy heart that I am giving up. The platform is easy to use and the customer service is good, no doubt, but unfortunately I cannot continue to be part of a service that raises premiums 50%-100% every year. I value stability and predictability and that is clearly not something I can depend on Figo to deliver. So am sorry to leave and will not be doing anymore business with you or be recommending FIgo to anyone else either.
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5

out of 5

POSTED: | BY: M. Walsh

Would do it again!

I had a hard time choosing a company for pet insurance. I decided to go with FIGO because they came highly recommended by my trainer, the price is good, and I like how straightforward their policy is. I have been very pleased. I also love their app because it makes submitting a claim, and following up on it very simple and fast. Would do it again!
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5

out of 5

POSTED: | BY: Danielle Shechtman

FIGO's claims process is unbeatable

FIGO's claims process is unbeatable. I've submitted three claims and have been refunded within 2-3 days after submitting. I receive a very easy to understand explanation of benefits and love that everything is online in the portal. I can't recommend FIGO to all other pet parents enough. Truly have saved me so much money and so much time. I never have to stress more than I have to when I'm taking my dog to the vet thanks to FIGO.
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5

out of 5

POSTED: | BY: Wendy Reynolds

Excellent claims processing time!

Excellent claims processing time! Worth every penny, I am So happy I chose Figo for my dogs insurance company.
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4

out of 5

POSTED: | BY: From Texas

Claims approved same day

I have been with Figo for a year now. I recently filed two claims that were continued approved treatment. The claims were processed and completed the same day I submitted them. This is a far improvement from a few month ago. Way to go Figo and keep up with the great improvements you are making.
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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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