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.
I really like how responsive they are. Having a live vet on hand is a great resource although some have given me weird advice. There has been times where they pay out the day after I submit my case. It feels like my premium gets raised significantly each year. It’s almost as expensive for my health insurance for two dogs with less benefits which is ridiculous because they cover less things and don’t cover medication. Since my dog has a preexisting condition- I can’t move to another company.
When it comes to insurance we as customers pay monthly for a service that gives us the illusion of peace of mind. We expect that they will take care of us but sometimes that doesn't happen when we file a claim. I have been with them 2+ years now and I hope it gets resolved. They seem to want every record and visit anywhere he's gone despite me having these document on the Figo portal. I just hope it's resolved soon. I have insurance for the"in case" I take very good care of my pets and they are up to date on everything. All I can do is give them a shot and if it doesn't work there are other games in town..
Due to an error on their end, charged me double for a missed payment without letting me know what happened. I needed to call in and they didn't know and had to research and get back to me.
I have carried FIGO on my bulldog since she was a puppy. It is expensive! Especially her breed and it goes up every year as she gets older. She is going on 4 years old. Some years I never met the deductible and thought what a waste, do I really need insurance? Which was good, that meant she was healthy. Other years I was very glad I had it paid in full. She had two emergency health issues, one life or death. I was comfortable knowing that a $ was not the deciding factor if she would come home or not. When I was in the waiting room wondering if she would make it, I would have given the world to have her back in my arms. So if I have to scrimp and save, brown bag it, and work overtime to keep her healthy and insured, I am willing to pay the price. Sacrifices have to be made for those you love.
There are so many different options available, everyone should be able to find a plan they can afford. Customer service is always willing to crunch numbers and run different scenarios with you to find a plan with our budget. They take time with you and don't pressure you to buy more than you can afford. It takes some time, some thought, and budgeting but you will be glad you have a little help in the end.
I have never had a claim denied, just put on "hold" waiting for clarification notes from the vet. Customer service has always replied within 24 hours and claims are paid quickly. I have found FIGO support to be helpful, compassionate, and professional both on the phone and through emails.
The only con is... the premiums. They go up every year (with her age) by $300+ a year.
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.
