1
out of 5
POSTED: | BY: customer
I have not been reimbursed for my claim
I have not been reimbursed for my claim
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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.
5
out of 5
POSTED: | BY: Sara
The best experience
I’ve had pet insurance on my last 2 dogs and FIGO is absolutely be the best user experience that I’ve had. There is no guesswork, and you’re guided through the claims process step by step. The coverage and options are the best that I’ve researched and I will use this company for all future pets.
3
out of 5
POSTED: | BY: WM
They pay great and filing is so simple…
They pay great and filing is so simple but rates have skyrocketed unfortunately.
1
out of 5
POSTED: | BY: Harmoni
Worts company ever
Worts company ever, do you’re a favor and don’t use them, I have nationwide and lemonade for my other two pets and Figo is a complete scam and headache. Their claims ppl are rude and just repeat the same memorized BS , I was told my dog was insured after her wellness and vet records as a puppy, two years later she has an injury and they are wanting all new records since she has been insured. WHY??? She’s already insured… my vet has sent them and they keep saying they don’t have them and need more, even her adoption records and company i adopted her from? What the actual fXK? I didn’t get her from an adoption agency and she was declared healthy at 5 months when I hit her from a vet, now at 2.5 years of paying for her insurance and I need to file a claim and they are giving me the run around!
Don’t get this insurance!!
1
out of 5
POSTED: | BY: Karen
Beware…
I completely regret changing my dogs insurance to FIGO. If I had known that FIGO would refuse to reimburse expenses such as allergy shots and ear treatments, which my previous insurance covered, under the claim that they are “pre-existing conditions, I NEVER would have switched. If I could give zero stars I would. It’s not transparent or enough to claim that the “pre-existing” language is in their policy/paperwork. FIGO should be more transparent and clear an out the fact they won’t reimburse for ANY procedure your dog received prior to getting their insurance “coverage”. FIGO SUCKS!
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.