(4.4 / 5)14+ Ratings

Figo Pet Insurance Reviews

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4.4
14 Reviews
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About Figo Pet Insurance

Figo Pet Insurance is a comprehensive pet insurance provider that offers flexible and reliable pet insurance plans for both dogs and cats. It provides a plan that includes unlimited coverage, which is uncommon among providers, and 100% reimbursement, which is nearly unheard of elsewhere.

Figo's goal is to empower pet owners to make care-based decisions for their pets, not cost-based decisions. It offers three customizable plans catering to dogs and cats. Their insurance reimburses treatments from licensed veterinarians, emergency hospitals, and specialists across the US, Canada, and Puerto Rico.

One of the unique features of Figo is its Pet Cloud app. This app allows policyholders to manage their pet's insurance, appointments, and records all in one place. It also provides free 24/7 access to licensed veterinary professionals, which can be particularly useful during emergencies.

Figo Pet Insurance is underwritten by the Independence American Insurance Corporation and is known for its user-friendly and dependable coverage. It has been rated best for comprehensive coverage and easiest to use app.

Remember, it's always best to check the official website for the most accurate and up-to-date information.

Figo Pet Insurance Pros & Cons

Pros of Figo Pet Insurance:

  • Customizable Coverage: Offers three comprehensive plans with optional add-ons like Wellness, Veterinary Exam Fee, and the Extra Care Pack.
  • No Upper Age Limit: Covers pets of all ages, making it a top choice for older pets.
  • Flexible Reimbursement: Provides reimbursement rates of 70%, 80%, 90%, or 100% of eligible vet expenses.
  • 24/7 Live Vet Chat: Offers free access to a veterinary professional 24/7.
  • Global Coverage: Allows visits to any licensed veterinarian worldwide.
  • Diminishing Deductible: Reduces the deductible by $50 each year no claims are filed.
  • Optional 100% Reimbursement: Offers a rare 100% reimbursement rate for some pets.
  • Well-Rated App: Features for managing pet health, filing claims, and communicating with vets.

Cons of Figo Pet Insurance:

  • No Accident-Only Policies: Does not offer accident-only policies, which are typically cheaper.
  • Exam Fee Coverage: Requires an additional cost for exam fee coverage.
  • Preventable Conditions: Does not cover preventable conditions or most parasites.
  • Plan Availability: Plan availability varies by state, and some options may not be available in all areas.
  • Claims Denials: Some customers have reported claims denials, although Figo diligently responds to customer complaints.

Figo Pet Insurance Coupon & Discount Codes

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Figo Pet Insurance Customer Reviews (14)

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Maurice Pomerleau
Maurice Pomerleau
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Jul 18, 2024
Anna Schoen
Anna Schoen
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Jul 17, 2024
Jennifer Barlow
Jennifer Barlow
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Jul 15, 2024
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Susan Avalos
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Lucille Light
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Umar Khadzhiyev
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Gianluca Schreuders
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James Cheatwood
James Cheatwood
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Wolfgang Jung
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Randy Sandifer
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Jul 13, 2024

Figo Pet Insurance Customer’s Q&A

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Figo Pet Insurance Features and Benefits

Figo Pet Insurance offers a range of features and benefits that make it a compelling choice for pet owners. Here are some key features:

  • No Per Incident Caps: There are no caps on claim payments by condition type, allowing pet owners to make the most of their annual benefits.
  • Coverage for Curable Pre-Existing Conditions: Conditions considered curable may be covered if they show no signs or symptoms within 12 months of treatment.
  • Lightning Fast Claims: On average, most claims close in just 2.6 working days.
  • Figo Wellness Powerup: This is an optional preventative coverage add-on for a small additional cost. It helps pet owners stay on top of yearly exams and more.
  • Live Vet: Free 24/7 access to a licensed veterinary professional. This feature is particularly useful during emergencies.
  • Personalized Pet Tag: This is synced to your Pet Cloud and helps reunite you and your pet if they go missing.

In addition, Figo offers flexible plans that can be fully customized to your budget and pet’s needs. You have the freedom to visit any licensed vet practice, emergency hospital, or specialist worldwide. Plus, you have access to up to 100% reimbursement of your vet bills, with the option of unlimited annual benefits. The plans average under $1.50 per day.

These features and benefits make Figo Pet Insurance a comprehensive solution for pet owners seeking peace of mind for their furry friends' health and wellbeing. Remember, it's always best to check the official website for the most accurate and up-to-date information.

Figo Pet Insurance Pricing

Figo Pet Insurance offers flexible and reliable pet insurance plans for both dogs and cats. The monthly premium is based on the deductible, reimbursement percentage, and annual payout options selected. Figo is one of the few providers that offer a 100% reimbursement option.

For dogs, there are three plans available:

  • Essential plan offers reimbursement for up to $5,000 of eligible veterinary medical expenses each year.
  • Preferred plan, the most popular one, offers reimbursement for up to $10,000 of eligible veterinary medical expenses each year.
  • Ultimate plan offers reimbursement for an unlimited amount of eligible veterinary medical expenses each year.

Figo charges a $15 one-time fee and a $2 transaction fee for every payment. The average cost of a pet insurance plan with Figo is around $22 per month. This is lower than the average cost of pet insurance, which is $49 per month across all U.S. states.

Please note that these prices and plans are subject to change and it's always best to check the official website for the most accurate and up-to-date information.

Payment Method

Figo Pet Insurance charges a $15 one-time fee and a $2 transaction fee for every payment. The monthly premium is based on the deductible, reimbursement percentage, and annual payout options selected. Employers can opt for seamless payroll deduction instead of worrying about paying via credit card or check. For the most accurate information, it's best to visit the website directly. Remember, this is a general guide and the actual process may vary slightly based on the website's updates and changes.

Figo Pet Insurance FAQs

FAQ

Figo Pet Insurance Alternatives

Here are some alternatives to figopetinsurance.com:

  1. Aspca: Known for broad coverage, including dental illnesses, behavioral issues, alternative treatments, prescription food, and even microchipping.
  2. Embrace: Offers a flexible wellness plan.
  3. Metlife: Known for offering discounts.
  4. Pets Best: Popular choice for dog insurance.
  5. Spot: Known for straightforward waiting periods.
  6. Healthy Paws
  7. Pumpkin
  8. Agile Health Insurance
  9. Lemonade Pet
  10. Geico

Each of these companies offers different coverage options and benefits, so it's important to research and compare to find the best fit for the pet's needs. Please note that this list is not exhaustive and the actual services may vary. For the most accurate information, it's best to visit the respective websites directly.

FAQ

How To Open A Figo Pet Insurance Account?

To open an account on figopetinsurance.com, follow these steps:

  1. Visit the Figo Pet Insurance website.
  2. Click on Get a Quote.
  3. Enter the required information about the pet, such as the pet's name, species, breed, age, and sex.
  4. Provide the ZIP code as the location is an important factor for calculating premiums.
  5. After receiving the quote, proceed with the purchase of the policy.

Once a policyholder, a Pet Cloud account can be created to manage the pet's policy. This account allows for the upload and sending of documents, making payments, sharing the pet's medical records, and receiving care reminders.

Remember, the process is designed to be completed in less than 60 seconds. If more than one pet needs to be insured, additional pets can be added on the next page.

Please note that this is a general guide and the actual process may vary slightly based on the website's updates and changes. For the most accurate information, it's best to visit the website directly.

FAQ

Figo Pet Insurance Return Policy?

Figo Pet Insurance offers flexible and reliable pet insurance plans. They may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of the last treatment. Most claims close in less than 3 business days. They also provide free 24/7 access to licensed veterinary professionals for emergencies. However, specific details about their return policy are not readily available. It's recommended to contact their customer service for more information.

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