5
out of 5
POSTED: | BY: Christine
Great choice
I actually love having you for pet insurance! Easy, quick, efficient, and affordable
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: Leigh Janous
Great Pet Insurance
We’ve been really pleased with our coverage from Figo. We had one instance where we had to appeal a denial of coverage. After getting the requested documentation from our vet for Figo, they paid the claim. The process has been really easy so far. I’ve recommended them to several friends with pets.
5
out of 5
POSTED: | BY: AAP/ Music & Film Group
Figo insurance is wonderful
Figo insurance is wonderful! I am very pleased with your online customer support and over the phone communication. All the reps are understanding, kind and knowledgeable. Thank you for all that you do for our furry friends. A Five Star company! Be well.
Best regards,
Philip C.
1
out of 5
POSTED: | BY: Arne Biermans
Is there anything they DO cover?
Is there anything they DO cover? About 95% of our claims have been denied. We have had pet insurance for 8 years (not just with Figo), so far, having insurance versus not having insurance has saved us exactly NOTHING. Pet insurance is NOT worth it and Figo is definitely not worth it. Go elsewhere.
3
out of 5
POSTED: | BY: Jay
Filing a claim
I could not file a claim from the website on my computer- had to use my phone. I did not receive my full claim.
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.