5
out of 5
POSTED: | BY: Carol
Great team.
Great team. Very helpful. Truly understanding.
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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.
5
out of 5
POSTED: | BY: Dina Hall
FIGO makes it easy when you need to make an emergency decision.
I’ve used FIGO for all my GSDs for the past 7 years. Very easy to work with. Great coverage! Knowing they have my dogs backs have made it very easy during the emergency situations. Knowing that money isn’t an issue, that will limit their care is a big relief!! Most other companies have limits.
5
out of 5
POSTED: | BY: Char
I should have gotten this years ago
I should have gotten this years ago. After paying thousands of dollars for chemotherapy for one of my dogs, I decided to get Figo on my other 2 dogs. I haven't had to file any expensive claims, yet, but I know anything can happen no matter how well I take care of my fur-babies. I feel better knowing that if I ever need to take another dog to chemotherapy, it will be covered.
3
out of 5
POSTED: | BY: GERALYN
The plan I chose didn't cover any of…
The plan I chose didn't cover any of the vet bills for the first year then the cost of the plan went up a few hundred dollars so I had to chose a less expensive plan that will cover even less. The plan really only covers major incidents so in that respect, it is good, I didn't have to use it. It would be nice if it covered routine vet visits.
3
out of 5
POSTED: | BY: Jeff
It’s a nice to have in case of emergency
It’s a nice to have in case of emergency type of insurance. My dog is in the younger side and I’ve been insured with Figo for about 3 years now. We’ve never been able to use it, so I don’t have much to offer. I’d say it’s reasonable in price compared to other pet insurance options.
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.