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.
The turnaround time for processing claims is very quick and the app is easy to use. I have not yet received my reimbursement, but it's only been a day.
This is my first time using pet insurance and I thought it would cover more than it does. I'm not sure it's worth the monthly payment yet.
My dog had an intestinal obstruction just after Christmas 2022. (He is an 9lb Yorkie who ate a 4oz package of chocolate covered hazelnuts! One hazelnut didn’t come back up and stayed in his intestines for 4 days, causing a laundry list of ailments/problems)
This incident required X-rays, an ultrasound, medications, observation, IV fluids, multiple vet visits, and ultimately- emergency surgery plus two nights in an emergency vet post surgery. This was a very stressful, emotional experience- I was really worried and upset.
Once I called in to FIGO and a representative explained what would be covered, I was so relieved!! I felt so much less stress that I wasn’t going to be responsible for a total of $5,800 in vet bills, and I could focus my energy on getting him home and caring for him post surgery.
At times (prior to this emergency situation) there had been small things FIGO didn’t cover (which is how insurance works) and several things they did…. But when I needed them the most, they were there. I am a very happy, grateful customer!
It’s great but I wish I had the option online to add wellness to my plan. I tried reaching out to Figo support via messages and never got a reply regarding how to add wellness to my plan.
There are a lot of issues with the site- a major one is that the sign-in page breaks. Custom service is not helpful when this happens. Explanations on why claims are rejected is not good.
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.
