2
out of 5
POSTED: | BY: customer
Easy to get insurance but they find…
Easy to get insurance but they find every reason to not pay out.
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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.
3
out of 5
POSTED: | BY: MARIANNE
I haven' had to file a claim yet so…
I haven' had to file a claim yet so it's hard to review the company. I am knocking off two stars for premium increases that I have not been warned about.
3
out of 5
POSTED: | BY: customer
Don’t sign up for the Wellness extra…
Don’t sign up for the Wellness extra they barely pay anything out and it’s pretty much a one and done the first time you get your wellness checks during the year. Lots of lures to make it sound good but it’s a dud.
5
out of 5
POSTED: | BY: Dennis
I found working with Figo very easy and…
I found working with Figo very easy and the employees very helpful and responsive. My one issue is privacy. We did not want our animals names and the city they lived in and their picture to be viewed by the public. We wanted their names and the pictures just to be viewed by Figo for identification purposes in case they were lost. With that in mind, we never posted their pictures. Other than that, everything was perfect!
5
out of 5
POSTED: | BY: customer
It's been a smooth process so far!
It's been a smooth process so far!
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.