3
out of 5
POSTED: | BY: Irfan Ahmad
no explanations was provided on a non…
no explanations was provided on a non payment claim
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4.4
out of 5
Number of reviews 2,653
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: Picture Me Organized
Excellent Service & Fast Claims Process
Excellent customer service and the fastest claims payments around. We went with Figo because we trust Costco and have been delighted with our choice.
5
out of 5
POSTED: | BY: Amy
Very easy to submit a claim
Very easy to submit a claim. Great customer support
2
out of 5
POSTED: | BY: JJJJJJJJJJ
Considering cancelling
Not impressed and considering cancelling. While signing up was smooth, we were denied a basic claim that clearly fits under cancer screening coverage. It was denied outright and when we follow up up there was no response. It’s not clear why we would pay for some thing that we cannot use. Therefore, we are just giving them free money right now not thrilled, but also not sure about real alternatives in the market.
5
out of 5
POSTED: | BY: Toast
Figo’s app is very user friendly
Figo’s app is very user friendly. Great customer service as well. We couldn’t be happier :)
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.