Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,793

  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: A lifetime customer

Four years with Figo

Worked with Figo for four years now. I can't even begin to describe the peace of mind of knowing that my cat will always be able to receive vet care without worries of being able to afford it or make it work. I will always say the monthly expense is worth it to know that no matter what I don't have to decide between saving my cat from illness or injury or paying my bills. Not to mention the customer service at Figo has always been absolutely impeccable and every person I've ever spoken to has been unbelievably helpful and kind.
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5

out of 5

POSTED: | BY: Brandy Moses

Making claims are very simple and easy

Making claims are very simple and easy. I was able to make them in the parking lot right after we leave the vets.
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5

out of 5

POSTED: | BY: customer

The turnaround on our last claim was…

The turnaround on our last claim was very quick… very much appreciated!
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3

out of 5

POSTED: | BY: Tyler W

Figo didn't cover Mando's last vet…

Figo didn't cover Mando's last vet visit for his eye injury. I thought insurance was supposed to cover it? I guess you have to read the fine fine print.
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1

out of 5

POSTED: | BY: Leon Cisek

Disappointed Policy Holder

I obviously did not read the all the exclusions in the plan. Completely not satisfied with the reimbursement process.
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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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