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.
5

out of 5

POSTED: | BY: Sue

The customer service at Figo is excellent.

The customer service at Figo is excellent. Every agent I've spoken to has been very patient, cheerful and knowledgeable. Judy Pacheco was the agent who I spoke to when I was gathering information. She spent so much time with me and never once did I get the feeling she was becoming impatient. I really appreciated that and felt secure that Figo was the insurance company I wanted to deal with. By being able to get all the information I needed and by making me feel so welcome, I decided to sign on with Figo with Judy.
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5

out of 5

POSTED: | BY: Katie

new customer - great to work with

I am a new customer, so I have not filed claims yet. But they have been wonderful to work with - quick to answer questions. The website and app are great!
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5

out of 5

POSTED: | BY: Susan Barnhart

Quotes

Julie was very helpful, patient. I brought Bob on today and hope to transfer everyone else soon
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5

out of 5

POSTED: | BY: Rameil Babanejad

Great customer service

Love how easy it is to speak to people and they give you a very friendly experience.
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2

out of 5

POSTED: | BY: Vivian Rodriguez

Blood test and antibiotics

Our pup got Lyme Disease and they are not covering the blood tests or antibiotics because it was transmitted through a tick. So even though this was not a preexisting condition, and our pup is sick, they WONT COVER ANYTHING.
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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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