5
out of 5
POSTED: | BY: Brad Chesson
Easy!
Easy paperwork process, fast service on sending the reimbursement.
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4.4
out of 5
Number of reviews 2,652
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.
2
out of 5
POSTED: | BY: Norm Susser
I appealed a decision
I appealed a denial of benefits. On 12/20, that appeal was denied in spite of my having submitted doctor's notes that the condition treated was not pre-existing. This does not make me feel like Figo is a good insurance company or that the company has my back.
5
out of 5
POSTED: | BY: Michele
Easy to submit claims
We are new to pet insurance and Figo was easy to submit a claim.
1
out of 5
POSTED: | BY: Anonymous
Not a “best for pets and people”…
Not a “best for pets and people” company - an insurance company through and through.
2
out of 5
POSTED: | BY: Michael B.
I have put in claims on 3 different…
I have put in claims on 3 different occasions for 2 different pets and they haven’t covered anything. If you don’t read every letter in their small print you’re going to get screwed! Just like personal health insurance, they continue to raise their rates just to cover less and less each year. If you try their chat feature, you won’t get a response back for at least 2 days, so I suggest calling. In short, skip the insurance and pay out of pocket because it will cost you less in the long run! Otherwise, you’ll pay out of pocket for vet expenses and still pay out of pocket for the insurance policy that won’t cover any costs
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.