Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,786

  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.
3

out of 5

POSTED: | BY: Marc Fargotstein

Fine Print

First, I ran in to an issue when paying for the insurance. It wasn't until after I accepted the monthly terms that it showed me that I would be charged a monthly service fee. I called and spoke with customer service and got that resolved. Later, I got an email saying that they needed a health exam that was within 48 hours to waive the waiting periods. I called and asked about this and they said that there was a 2 week waiting period for medical issues, 5 days for emergencies and 6 months for knee problems. I didn't see any of that before I signed up.
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5

out of 5

POSTED: | BY: Norman Labrasca

I have had the pleasure of working with …

I have had the pleasure of working with Jennifer C who has provided the BEST customer service helping resolve an important issue. Jennifer treated this as a priority on every conversation! I will recommend Figo to everyone I know who has a dog or cat!
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5

out of 5

POSTED: | BY: Lee in Tennessee

Amazing Figo Representatives!!

Jennifer Czech was very polite, professional, and helpful in assisting me with an important question I had yesterday regarding my policy for my retriever. I have only been a client with Figo for just one month, but so far my experiences with representatives from your company have been amazing! Thank you very much Jennifer, for all of your hard work. Sincerely, Mr. Lee Porterfield
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5

out of 5

POSTED: | BY: Justin C.

Five stars for Figo (and Judy)!

I just spent over an hour on the phone with Judy. She was incredibly patient and thorough as we worked together to discern if Figo was a better fit for me and my beloved Charlie (better than our current policy with another pet insurer). The answer ended up being an emphatic YES as I will ultimately pay a bit less for better coverage through Figo. Judy was very helpful and answered all of my questions in a very caring manner. It was clear that she wanted to help me figure out the best option for me and my pet, not necessarily what would be the most lucrative for Figo. I have just officially made the switch and look forward to being part of the Figo family. Judy is a wonderful asset for sure! *****
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5

out of 5

POSTED: | BY: Jacob

Most Amazing Pet Insurance

Last summer, I rescued a labroador mix. I was introduced to Figo by a friend who said to try Figo and you will by happy you did it. She was right. I did some research and of all the pet insurance available today, Figo covers the most, and one of the most affordable. My first claim was for an upper respiratory infection, which later turned to pneumonia. I filed a claim by going on my Pet Cloud app. Within 5 days, the claim was processed. Could not believe how easy it was. In the beginning, I had my my dog's recent exam emailed to Figo. From there, they contacted my vet to verify my claim. Thanks Figo. You made everything so easy.
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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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