5
out of 5
POSTED: | BY: Kimberlee
Excellent
Handled fast and easy
Read more on Trustpilot
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: JH
I will never have a dog without Figo…
I will never have a dog without Figo pet insurance. So far they've covered a $6,000 surgery to remove a tumor off of Annie. And then Aria had a tplo on her knee which was about 3,800 and 2 months later she needed one on the other knee! Figo pays my claims, and quickly too. Anytime I call in or email in everyone is always very nice and helpful.
5
out of 5
POSTED: | BY: Rupa Kalidoss PaxTheLab
Love Figo
Love Figo ! Easy and transparent service and great customer support
5
out of 5
POSTED: | BY: Ramona
The claim process was easy
The claim process was easy, clear cut and efficient. The best part was that The claim was processed within hours and payment issued. Very unlike another insurance company I did business with for another dog, that process was extremely cumbersome and took a month to process! I will not hesitate to recommend Figo.
5
out of 5
POSTED: | BY: Sallyanne Bevere
Worst insurance company for pets
My pet who is 11 months old developed pneumonia. Figo will not reimburse ans of the $2500 claims submitted because one of the possible causes could be roundworm, not that it was, just because it COULD BE!! I pay over 130 per month for two dogs and have had not one cent reimbursed for anything. My vet even called to defend the claim and provide collateral and agreed at thr absurdity of their denial. Thanks for nothing Figo
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.