Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,851

  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: Chris

Fantastic customer service, personable and efficient.

I have always had pet insurance and my experience with a past company had me questioning whether to keep insuring my dogs. After much research and input from friends, I chose Figo and have been very happy so far. From the beginning, the customer service was exceptionable for my many questions and concerns. I highly recommend this company - even though they advertise as a cloud-maintained company, I am so impressed with every interaction I have had with this company.
5

out of 5

POSTED: | BY: Marla

FIGO lets you worry about your furkid, NOT how much money you'll have to pay

Accidents always seem to happen at the wrong time financially so I have pet insurance. That way when something happens, money is NOT a factor in whether my pet is helped or not by our Vet team. I have two very happy Labs that are still in the Lab puppy age (2 and 4). They play hard and they get hurt at times. FIGO to the rescue! I am so grateful that FIGO has quick turnaround with reimbursements as well as a simple-to-use interface on the web. Not to mention awesome CSRs who are friendly and empathetic. Great company - I am so happy I have this safety net!
5

out of 5

POSTED: | BY: Merry

Customer service is awesome!

Customer service was awesome! They are very courteous in our communications.
5

out of 5

POSTED: | BY: Mindy

Best Pet Insurance

FIGO is the best. So easy to use the web site. Easy to file claims, easy to view claims and quick repayments.
5

out of 5

POSTED: | BY: Joanne

Best insurance out there.

Had to file a claim for her baby teeth and reg. teeth that were coming in at the same. Figo covered it all.
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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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