Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,815

  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: Karen

Figo has been easy to understand

Figo has been easy to understand, easy to get signed up, easy to use. This is our first time with pet insurance so I was a little worried how it would all go down. We had a claim during our pup's first year and I have to say, Figo made the process very easy. I was missing something they needed and they contacted our vet themselves and got what they needed, and they included me in the email loop. We just finished year one and will continue on with Figo.
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5

out of 5

POSTED: | BY: REBECCA ANN

Excellent Customer Service and so…

Excellent Customer Service and so prompt in filing my Max's visit.
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1

out of 5

POSTED: | BY: customer in Issaquah, WA

Figo goes out of the way to deny your…

Figo goes out of the way to deny your claims. You need an attorney to review their policies as there one million exclusions.
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5

out of 5

POSTED: | BY: B. Doherty

Be ready for anything with a puppy

We got a puppy March 2023. I enrolled him in FIGO insurance right away for illness/accident coverage. In June he suffered a severe break to his hind leg. At the emergency vets we were given an estimate of $7,000 to $8,000 to repair. Never expected this expense but thank goodness we had insurance. I had no idea how much would be covered but of course we said to proceed with the surgery. I was very impressed with how easy and quickly I could submit a claim and receive reimbursement for covered expenses. Customer service was excellent when I had questions. I was always kept informed of the status of the claim which made it a seamless process. So thankful our only worry was getting Louie healed and not the cost. He fully recovered! Thanks to all at FIGO.
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3

out of 5

POSTED: | BY: customer

I have the insurance

I have the insurance, but have, luckily, not had to use it.
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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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