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3.6

Overall Score

LAST UPDATED: May 16th, 2023

Figo offers customizable coverage that works for all pet parents. 

Pet owners can choose from one of three comprehensive plans and customize their reimbursement percentage and annual deductible to best suit their budget. 

Figo customers also have exclusive access to the Figo Pet Cloud. This all-inclusive app features things like a 24/7 Virtual Vet and easy mobile claim filing. 

Our Figo reviews (read below) reveal that customers are happy with the amount of coverage, customer service, and how quickly the pet insurance company reimbursed them. Figo knows how important pets are to their families and focuses on making life easier for both pets and their owners.

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The Good

  • Extensive Plan Coverage
  • Policy Basics
  • Claims Process
  • Pet Cloud
  • Wellness Power-Up

Extensive Plan Coverage

Figo aims to free pet owners from financial stress when it comes to choosing the best veterinary care and paying those costly vet bills. The insurance provider offers three straightforward and affordable pet health insurance plans. As long as it's not a pre-existing condition Figo's plans include:

  • Veterinary Exam Fees
  • Illness or Injury
  • Accidents
  • Emergency & Hospitalization
  • Surgeries
  • Prescriptions
  • Veterinary Specialists
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  •  Holistic & Alternative Therapies
  • Prosthetics & Orthopedics
  • X-Rays, MRIs, CAT Scans, Ultrasounds
  • Hip Dysplasia
  • Cancer Treatments
  • Orthopedic Conditions

The Preferred plan and Ultimate plan include coverage for lost pets and emergency boarding fees. All plans cover pet exam fees in emergency situations, and members can choose to waive the co-pay and deductible associated with life-saving treatment.

Policy Basics

Figo's policies become effective the day after enrollment or the day the pet owner selected as the effective date.
There is a 1-day waiting period for accidents and a 14-day waiting period for illnesses. Figo makes it clear that pet owners cannot waive the waiting period unless the policy was purchased using a Veterinary Shelter or Humane Society partner code and the pet receives a wellness exam within 48 hours before purchase. 

Figo has a 6-month waiting period for orthopedic conditions and a 6-month waiting period for hip dysplasia. If a pet owner takes their pet into the vet within the first 30 days of their initial policy period and the medical record states that there are no pre-existing conditions—the 6-month exclusion does not apply.

Pet parents can enroll their cat or dog in a plan as long as they're 8 weeks old. Additionally, Figo does not have an upper age limit*. Which is useful for pet owners who want to insure their older pets.

Figo offers 70%, 80%, 90%, and 100% reimbursements. Reimbursements are the amount the company will pay toward the final vet bill or treatment submitted, however, pet parents should know that a lower reimbursement means a lower monthly premium.

Some pet insurance providers require pet parents to pay a deductible for every new injury or illness. Figo offers an annual deductible, meaning pet parents only have to meet the deductible once during the year and then they are covered for the remainder of their policy period.

Pet owners can visit any licensed veterinarian in the world.

Claims Process

Figo tries to process each claim within just three to five days, which is a much shorter time frame than with most other pet insurance providers. This puts money back in its member's pockets a lot sooner. Also, a member can file a claim via email, fax, or through the Pet Cloud, which is definitely a unique and convenient feature.

FIGO Pet Cloud

FIGO's Pet Cloud is an online member portal and mobile app. Pet owners no longer have to worry about searching through thousands of papers to find information on their pet's health plan. With the Figo Pet Cloud members can file paperless claims, find a lost pet, send a pet's medical records without a hassle, and even find animal venues nearby.

Everyone with a Figo insurance plan has access to the Live Vet feature. This allows pet owners direct access to licensed veterinary professionals 24/7.

Wellness Power-Up

As of 2021, Figo offers a wellness power-up for all insured pets. With this power-up, pet owners can rest easy knowing that their pet’s preventative care is covered. Things like vaccines, spay/neuter, and teething cleaning are included for just a small monthly fee.

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The Bad

  • Customer Service Hours

Customer Service Hours

Figo's customer service is available only during certain business hours; it isn't a 24/7 operation. Instead, Figo is only available 

  • Monday-Friday: 8:00 a.m. to 7:00 p.m (CST)
  • Saturday: 8:00 a.m. to 6:00 p.m. (CST)
  • Sunday: 11:00 a.m. to 3:00 p.m. (CST, text support only)
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The Bottom Line

Pet owners who want peace of mind for their pets in case of an unexpected injury, illness, and want routine and preventative coverage, Figo is definitely worth considering. 

Figo has been around for more than a century and has a highly-rated underwriter. In addition, it offers members many helpful features, such as an optional wellness feature, an online portal, paperless claims (that are processed really quickly), and a variety of ways to contact customer service (including live chatting and texting). Figo has plenty of benefits for pet owners, with three extensive coverage plans, annual deductibles, and no claims limit.

Figo does have a list of pre-existing conditions that aren’t covered. However, this isn’t unusual in the industry and doesn’t affect the rest of the coverage. 

Figo is a great option for pet owners and their pets. 

*Exclusions may apply to our Mortality Benefit coverage relating to pet age

 

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Star Rating

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2.4

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33 Reviews

Review Breakdown

5 grade

27%

4 grade

6%

3 grade

0%

2 grade

6%

1 grade

61%

Sentiment Criteria

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Cindy Jarrow Clarks Summit, PA

First, when shopping for pet insurance, you will find that Figo hands down has THE most flexibility to be able to choose the best fit for your needs and your budget. Once you select your coverage level (yes there are options!) you can choose from several combinations of annual deductible amount, annual payout limit, and percentage of coverage. Figo is also one of the only (if not THE only) pet insurance companies to offer an unlimited annual payout option and a100% payout option on claims (most max out at 90%). So let's talk claims... I have three cats and a dog and unfortunately have had to use my pet insurance on more than a few occasions (no worries they are all fine now). Simple. Basically just upload images of the bill then wait... and not for long. The quickest turnaround between submitting a claim and confirmation of coverage was 14 minutes. No $h*t. I think the longest may have been one business day. Then just a few days until the money hits your account. One more thing - cost. I have spent the time and have done the research on I believe every pet insurance company in existence (I can spend time doing that because I have no human children). Figo has the most competitive rates for the coverage. Period. I know this is a very wordy review but there are very few things that I am this passionate about. I am very grateful for this insurance and tell everyone about it that will listen. I could not recommend it more. Thank you.

4 years ago

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Linda B San Jose, CA

I just signed up for FIGO in January for one of my two dogs. As luck would have it, she ended up with a sudden (grew from nothing to huge in what couldn't have been more than a couple of weeks) massive tumor on her spleen by the end of March, which resulted in a splenectomy, several emergency vet visits and all kinds of medications. I paid about $3700 out of pocket in April, including $2500 for the surgery. To my complete surprise, FIGO covered 85% of all my expenses, including paying $2300 of the $2500 procedure!!! I couldn't have been more pleased!!! Also, and this is what surprised the heck of out of me, I dint submit my full bill for the surgery as my adult son had paid for half so I assumed I couldn't submit that portion. However, they disagreed and reimbursed me based on the full bill charged to me, regardless of how I ended up paying for it! That really blew my mind and I was not expecting to get that reimbursement but couldn't be happier that they did this. Very unexpectedly pleasant experience with an insurance company! My dog still has ongoing issues and will need to be staged for possible spread of her cancer to her liver or with the best scenario deal with liver disease or failure so being reimbursed was a life saver for us to be able to continue her treatments. I was literally running out of money, which is exactly why I signed up for insurance in the first place - to hopefully allow me to make decisions based on getting the treatment she needs instead of prematurely putting her down because I cannot afford to treat her further. As I said earlier, I chose the Ultimate plan with $250 deductible because this particular dog just has had so much bad luck in her life, I wanted to be prepared for the worst and I was definitely right. The cost is $67 a month for me, which I feel is reasonable if they continue to cover her care the way they did for her surgery and related testing. Submitting claims couldn't be easier. I love electronic access and having everything available to me 24/7. Submitting my records was a bit painful though as they initially closed most of my claims for lack of records, which turned out to be due to them looking for vet visits during a particular time in which we never visited a vet. The communication around this was poor as I had called several times asking what they needed and letting them know that I submitted every record including her adoption medical records. Also, it took about a month to get the surgery reimbursed, but they reimbursed most visits and testing we had done promptly. I frankly had not expected much as I have seen plenty of negative reviews about pet insurers in general, but in this case, I could not be more pleased. The coverage was a HUGE help and despite some hiccups, I would highly recommend them! Obviously, read the fine print around pre-existing conditions. For instance, I can't be covered for anything related to my dogs seizures as she was already diagnosed when I signed up, but for anything related to her cancer and liver disease I am covered. I will be signing up my second dog as well.

4 years ago

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David Chambers Chicago, IL

Best customer experience and amazing value! With two cats, and knowing the history of pet health care costs through long experience, pet insurance seemed like a no-brainer. After reviewing the available options, the logical solution was to choose Figo. Why? Figo offers the most affordable and accessible plans. When you do the math, it makes good financial sense. More significantly though, as anyone who has ever filed an insurance claim knows, the claims process is usually not the most pleasant experience between a consumer and the insurer. But I have found that Figo has turned that notion on its head. Claims are incredibly easy to file, amazingly quick turnaround time is also a big plus. What really clinched it for me was the customer service reps. They are not only friendly, courteous and super helpful, some of them know oodles about pet health, all of which makes every call a great experience. I cannot find any reason to go back to the old insurance model, especially when I can do everything from my iPhone. (Too bad for the cats, we can't conduct their vet visits from an iPhone.)

6 years ago

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Justin Z.

I search high and low for a pet insurance company. I needed one for my new bulldog since my last bulldog had all sorts fo issues and I was at the vet often. THis this time i was prepared. I like what figo offers. I like how FIgo offers an easy to meet annual deductible, cover hips displacia, and holistic, and most importantly affordable. I compared monthly price quotes with other pet insurance compancies, and FIgo really offers the best coverage. The vet exam fee is covered, and you can choose from 10k to unlimited. The customer service dept is awesome. If i had questions, I would text, and they would respond back quickly. Thanks Figo

7 years ago

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Marianne Lippi

Excellent! So easy if you know how to scan, download and e-mail, pretty simple. I had a $1223 claim as my lab ate some sort of poison. He stayed overnight in the ER, many lab tests, x-rays, etc. Only request from FIGO was the notes from assisting vets and the copy of the bill. Within days I was reimbursed $890.00. My plan had a $200 deductible and paid 90% of the cost. Customer service is great, intelligent and energetic on the phone. Love this insurance

6 years ago

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Jonathan

A year ago I narrowed my choices to Figo and another pet insurance company. I like that Figo offered more, and affordable. so i chose Figo. In additon, the customer service was thorough. I filed a claim this past week as my dog had an ear infection. All i did was submit my voice via smart phone. I did not do anything else. Figo called my vet and got what they needed. Within 3 day, my claims was processed, and was notified by email. So easy. Im glad I chose Figo and so satsified with them I tell all my friends and vets

6 years ago

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Alex Jamaica, NY

Really the best pet insurance out there. Generous Coverage. Afforable Premium. Excellent customer service. You can even text, and they will reply back. Best Pet insurance.

6 years ago

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Jonas Forest Hills, NY

Awesome pet insurance. Offers the most coverage. Affordable Easy claims process. Very satisfied

6 years ago

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John

Had for year. Filed 2 claims for total of roughly $2,500 and was reimbursed within 2 weeks time.

5 years ago