5
out of 5
POSTED: | BY: LeeAnn
Fair price
Fair price, several policy options and quick response time for claims
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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.
3
out of 5
POSTED: | BY: customer
They keep raising premiums even though…
They keep raising premiums even though there were no claims..!
2
out of 5
POSTED: | BY: customer
They really only cover major trips to…
They really only cover major trips to the hospital other basic stuff like fleas and ticks have no coverage - even if you are giving your pet the preventative medicine. Outside of catastrophic events, there's not a lot of bang for your buck.
5
out of 5
POSTED: | BY: customer
Very good insurance
Very good insurance! Easy to figure out and very fast, rapid reimbursement check sent to you!
5
out of 5
POSTED: | BY: customer
Great Experience
I wish all insurance companies were created equal. I’ve not dealt with a company that makes it so easy to submit claims and get reimbursed. It takes less than three minutes to submit a claim and within a couple of days reimbursement is in your account. the app is extremely easy to use with a ton of useful features. Very happy we chose to go with Figo
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.