5
out of 5
POSTED: | BY: murphy
Claims are reviewed quickly
Claims are reviewed quickly. But premium rates are always going up !
Read more on Trustpilot
4.2
out of 5
Number of reviews 2,599
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.
3
out of 5
POSTED: | BY: customer
No Issues So Far
We have not yet had a need to use Figo's insurance for our pet. Would suggest that if Figo wanted a top rating, it should consider covering preventative health services for pets as well as emergency service.
4
out of 5
POSTED: | BY: customer
We love Figo!
I’ve only used my dogs pet insurance twice and she’s 15 months old. Each time I was quickly reimbursed and very satisfied with what was covered. My dog is my service dog, show dog, and sports dog. I love having that peace of mind that if anything happens to my girl, Figo will have our back!
5
out of 5
POSTED: | BY: Jerry C.
Competive price on insurance premiums
Competive price on insurance premiums. Good customer service. Service rep answered my questions accurately and with detail. Took time to explain. This is first time purchasing pet insurance and was not sure how it worked and what was covered.
1
out of 5
POSTED: | BY: Thai-An
DENIES MOST CLAIMS
I am in healthcare so I understand insurance. I have been denied all but one of my claims. My prescription food is supposed to be covered. You stated dermatology would be covered. But you deny everything.
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.