Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,785

  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: Carolyn Brown

Excellent Customer Service!

I have not used the insurance that I started purchasing in January, so I can not say anything now about whether the insurance is good or not. Whether it provides the coverage listed. Whether it is easy to use. Whether I am reimbursed quickly for services covered, etc. WHAT I can comment on, is the customer service I received from Lauren when I first called with questions. She was very friendly and knowledgable. I had quite a few questions and she was patient and through. I feel confident that when I do have cause to use the insurance, it will also be handled in a professional and timely manner.
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4

out of 5

POSTED: | BY: E. Johnson

Seems good...

I haven't actually filed any claims yet, but I was able to purchase good coverage for my puppy at a very reasonable price. Our two local vets of choice are entered into the system, and I like that I can file claims online.
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5

out of 5

POSTED: | BY: Kathleen Karch

Every time I've had a question on what my policy covers they were very helpful in explaining it very clearly

They were very helpful
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4

out of 5

POSTED: | BY: kr

Pretty simple

It's a simple, painless process to sign-up. however, I'm concerned that since I haven't submitted many previous vet check-ups that when I need to file a claim, it will be an issue. I wasn't too comforted by the answer I received.
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5

out of 5

POSTED: | BY: Nick Rutan

Best Option for your four-legged family

I can't recommend this company enough. I had an issue with a new card and they saw me through the process of taking care of it and the coverage is beyond any coverage I've been able to find with any other company. Not to mention the all the 'perks' that come with the policy. Super user friendly and mobile capable.
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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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