5
out of 5
POSTED: | BY: pat
helpful,friendly and knowledgable…
helpful,friendly and knowledgable employees
Read more on Trustpilot
4.2
out of 5
Number of reviews 2,598
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: Penny James
Took my girls into get their shots and…
Took my girls into get their shots and I submitted the receipts and was reimbursed within days. Took longer because of the weekend but it was very easy.
1
out of 5
POSTED: | BY: Danonymous
They do not review claims properly for…
They do not review claims properly for reimbursement. As of 2024....if you get premium everything....price is now $3,000 a year. It can be very frustrating for they use trust as a marketing tool but don't live by it. I usually have to re-send my claims in for a higher level review to get reimbursed.
2
out of 5
POSTED: | BY: Kim A
Prescription food for chronic conditions
They claim to cover treatment for chronic conditions, allergies, and dermatology issues, yet when the ONLY treatment that works is prescription food, they won't cover it. They won't reimburse a $100/mo for treatment with food, but they'll pay 3x that amount for allergy meds and injections that barely do anything and continuous antibiotics to treat the neverending infections. "Vet prescribed treatment" also doesn't apply if the treatment the vet prescribes is prescription food. To be fair, they did let me pay an extra $134 for a powerup to add to the already $700/yr plan in order to reimburse me $250/yr of food, after I spend $600 on unreimbursable covered expenses to cover the deductible and copays first. Umm..thanks??
5
out of 5
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.