Figo | Pet Insurance Review

8.7

out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 4.9
  • 8.7
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  • 7
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  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.
10

out of 10

POSTED: | BY: Amanda Martinez

The best pet insurance!

Figo has been the best pet insurance. It is quick and easy. Payments are taken out of my account monthly and I don't have to worry about my pets!
10

out of 10

POSTED: | BY: Mary Brouillette

Fast and professional

Excellent service!
10

out of 10

POSTED: | BY: John C.

I was given excellent service.

Can't complain. The service representative saved me some money, assisted me with a problem I had with Figo insurance, and remained courteous and helpful.
10

out of 10

POSTED: | BY: Vianei Munoz-Vidal

Outstanding hospitality & professionalism

Shay was so kind and knowledgeable of the hospitals that I've had to take Roux to. I felt no rush when asking questions. Being in the hospitality industry I understand the importance of truly listening and having helpful responses which I got from Shay. Thank you Figo!
10

out of 10

POSTED: | BY: Jarod Stalnaker

Great customer service

Great customer service.

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)
Provider website
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.
Provider website

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