Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,662

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,662

Updated: May 29, 2024

  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.
1

out of 5

POSTED: | BY: Chelsie

Not Worth The Cost

I’m very disappointed in how little they actually cover especially given that I upgraded with add ons like wellness—I’ve spent well over 600 dollars (just to keep in mind that I did sign her up as a 12 week old very healthy puppy) and did all the standard vaccinations / exams and Figo only reimbursed me 45 dollars. That’s it. I work in insurance and employer/ee benefits and I’ll never recommend this to my groups. The app is easy to use.
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5

out of 5

POSTED: | BY: Heather Stivason

I'm very impressed with Figo

I'm very impressed with Figo. They have been responsive and no issues with submitting claims for our French Bulldog for our first year. We are very pleased with their customer service and hope to keep them for years to come. We have it place mainly for major issues, in case they pop up (not for wellness items like shots or exams, although they did offer that as an option, which we opted out of). So far it's been very great experience. We plan to renew and keep it in place. They did offer a bit of a discount with our Costco membership (something for others to look into). It is worth the money for our peace of mind and overall wellness of our pup :)
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5

out of 5

POSTED: | BY: Debbie

Very nice customer service

Very nice customer service. Very helpful. Got my claims submitted Very easily and one was paid within 24 hours.
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4

out of 5

POSTED: | BY: Elaine

Thought it would cover more of the…

Thought it would cover more of the wellness but super fast claim processing!!!
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5

out of 5

POSTED: | BY: Michelle

First impression - A+

This is the first time I've gotten pet insurance. So far, I'm extremely impressed with the customer service I'm getting from Figo.
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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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