5
out of 5
POSTED: | BY: Marcy
Figo’s a Go
Claims process was quick and easy
Read more on Trustpilot
4.4
out of 5
Number of reviews 2,655
Updated: May 29, 2024
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: David S
When I had a claim they paid it very…
When I had a claim they paid it very fast and never gave me any issues.
3
out of 5
POSTED: | BY: Nancy
Disappointed about a claim …
I was disappointed that Figo wouldn’t cover my dogs allergy shots. They said it was preexisting condition. I felt it wasn’t because her paw had a burr between her toes. It had nothing to do with allergies. Other than that I really can’t rate my experience since I haven’t used the insurance
1
out of 5
POSTED: | BY: Austin
Can’t get anything covered
Can’t get anything covered. Would need an extreme scenario to go past deductible, and even when I did go past the deductible and needed prescription food they never cover it, feels like paying for nothing
3
out of 5
POSTED: | BY: customer
carefully read and understand what is/isnt part of your policy
I have yet to really see the value here. I have a French bulldog puppy so im keeping this for peace of mind, but also considering just reserving a credit card for surprise expenses instead. what figo does reimburse for at least happens quickly. just be clear that this isnt a charity and not everything you think is covered as a result of their marketing is as it seems.
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 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.