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: Patricia Hill

FIGO pet insurance is the best!

I could not be happier with FIGO pet insurance. Their coverage is reasonable, their handling of claims fair and reasonable time-wise, and they truly seem to care. My dog got a get well card after a serious illness. Their customer service is extremely professional and fast. FIGO insurance has already saved me thousands of dollars. I am so sorry I did not have it for my past dogs. When my dog was really sick and in the hospital for three days it was a great comfort to know that the vet fees would be almost completely covered by his insurance. Thank you, FIGO!
5

out of 5

POSTED: | BY: Angela Cutter

FIGO is the real deal

We lost a pet to cancer and when the time came to get another dog we decided to investigate pet insurance. I read hundreds of reviews and read the policies word for word. FIGO offered the best coverage out there, at any price. I also love their text customer service because I can't always call in when I'm at work. I signed my 1 year old and then 3 mo old English Bulldogs up with FIGO. Two weeks ago my now 5mo, Otis started throwing up after visiting dog daycare. Then he got a fever--long story short he had aspirated some vomit and contracted pneumonia on Easter Sunday! He ended up going to the emergency vet and then needing to have an IV and around the clock care for an additional 24 hours. His total care was about $2,000! We chose to have a $200 deductible and 10% co-pay. I was really nervous after I submitted our bills because I had remembered all of those awful reviews (of other pet insurance companies). My concern was for nothing because FIGO is awesome. They sent Otis a get well card and about 8 days after I had uploaded the bills to my pet cloud (no claim forms or anything), Lauren called me personally to tell me everything was processed. One less thing to worry about. :)
5

out of 5

POSTED: | BY: Pamela de Varela

Terrific Service

The customer service at Figo Pet Insurance is excellent and claims are very easy to file, as opposed to a previous insurance for a different pet. The customer service people respond quickly and are very thorough in explaining benefits and claims procedures.
5

out of 5

POSTED: | BY: Jennifer Czech

Figo Claim Process

My claim was submitted, a day or so later, I received an email saying my claim was being processed and then 2 days later, I received another email stating the claim was taken care of! And THEN I received a get well card in the mail to check on my pup! Very Classy! So refreshing from previous pet insurance companies! Even better then human health insurance companies lol! Thanks Figo! Really took the worry out of a very upsetting and stressful situation!
5

out of 5

POSTED: | BY: Jenifer Batchelder

Great customer service and technology!

The customer service has been great - and they make it super easy to manage your policy online or by mobile, and many ways to contact them and get a quick response that doesn't include stopping what you are doing to sit on hold!

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 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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