2
out of 5
POSTED: | BY: Leonard Jessup
So far no reimbursements.
So far no reimbursements.
Glad my dog is healthy!
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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: Patricia
Quick Payment!
Quick, Simple and Easy! Love the surprise presents in the mail too.
1
out of 5
POSTED: | BY: DSyed
This insurance did not cover our cat's…
This insurance did not cover our cat's emergency visit and provided no explanation for declining coverage.
1
out of 5
POSTED: | BY: Keet Leesi
Figo is the WORST
Figo is the WORST! I thought because they were partners with COSTCO, I'd get a great policy for my puppy. They absolutely suck. Thanks for the flimsy water bowl and the dog tag, but I paid for that free crap in unpaid claims. What do they even reimburse for? Nothing. Please save your money and go elsewhere. Can't even get anyone on the phone and their chat isn't even available within the hours they claim to be available! I wasted so much money with this awful scam of a company.
4
out of 5
POSTED: | BY: Customer Mega
I'm fairly happy with FIGO insurance for my dog
I'm fairly happy with our FIGO insurance. They covered thousands of dollars for us in 2022 as our dog had some health issues. Two things that I do find frustrating with them:
1. Prior to a procedure, you can email them for pre-approval. However, they won't give you pre-approval saying that they cannot do that legally, but can tell you if something should or should not be covered. That's very frustrating, and difficult to make decisions. Why can't it be like human health insurance and know yes or no? This has to be improved.
2. Again after dealing with and paying for treatment/surgeries for my dog, I wanted to increase coverage - pay more annually in premium but less in the event there's an issue. FIGO won't let you increase policies. You can only decrease.
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.