5
out of 5
POSTED: | BY: Araceli
Great service and responded very fast…
Great service and responded very fast to my claims
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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.
5
out of 5
POSTED: | BY: Pat
I sent a claim and they processed it…
I sent a claim and they processed it immediately!
Thank you!
1
out of 5
POSTED: | BY: Vahid
Not worth it.
The cost isn't worth it unless you also get teeth cleaning and or have a spay/neuter. You can definitely save more money if you just shop your items better instead of getting the Wellness Program. There is a lot of fine print --- and you end up typically paying more than you would without the program. Figo Wellness wins the capitalism game on this one.
Also each of the individual coverages are for sure not enough to cover. They're about 50-65% of what stuff actually costs.
1
out of 5
POSTED: | BY: Consumer Report
Hidden fineprints to exclude most of common sense items
1) Your websites says "No Per Incident Caps".
However, you did not reimburse the full amount charged by the vet.
2) Your website says "Depending on your plan, deductible, and reimbursement options, up to 100% of your dog's vet bills may be reimbursed."
This is incorrect because even if I had a different plan, my expenses would not be covered 100% due to your hidden fine prints.
3) Insurance plan says "Vet Exam Fees for Accident and Illness visits.
This is also incorrect because my claim was for consultation, diagnostics and treatment of my pet, beyond preventive care, and still it was not covered.
--
Since there was no place to reply to Figo's last comment. I am putting it here.
I have forwarded case details to support at figopetinsurance.com and will update here about what they do about this case.
5
out of 5
POSTED: | BY: Brittany
Figo is very fair with their rates
Figo is very fair with their rates, and they are very fast to review claims and send out a check. I highly recommend.
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.