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: Tammy

Figo is our hero

Figo is our hero. Our pets are so important to us, they are our fluffy little children. Out of the blue, our kitty was so sick and we didn't know what was wrong. It was a very stressful time. Our experiences with Figo have been great during these stressful times. I love how easy it is to submit a claim.... like texting a friend. :) The deposit was made to our account in about a week for almost half of the cost of the vet bills! That made us very happy! And our little guy feels great, and is back to his happy self.
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5

out of 5

POSTED: | BY: Cherie

Recently submitted my first two claims

Recently submitted my first two claims. The process was extremely easy and I received a response promptly.
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5

out of 5

POSTED: | BY: customer

As a senior it was important to me that…

As a senior it was important to me that I could obtain assistance with my first claim for my pooch. Everyone that assisted me over the phone was so nice and they made it easy! Explained everything and answered all of my questions. I look forward to developing a long term relationship with you. It gives me peace of mind knowing I can actually call on the phone.
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5

out of 5

POSTED: | BY: Sandra Uzzalino

Good insurance

Easy to obtain needed information Friendly staff
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5

out of 5

POSTED: | BY: Jon

They have been very throughout and…

They have been very thorough and caring.
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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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