Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,852

  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: 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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5

out of 5

POSTED: | BY: Colleen

Highly recommend

Great costumer service-informative.Quick claim reimbursement.Highly recommend
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5

out of 5

POSTED: | BY: customer

Figo is Fantastic!

We have recently had several claims for our ill cat. The claims were processed in a timely fashion and the money put into our account within days. Very pleased with the speedy response.
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5

out of 5

POSTED: | BY: Brian K

Outstanding company the best

I have had to file a few claims with Fido and wow!!! They took care of everything is a speedy manner I had absolutely no problems, a great company!!!
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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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