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 cannot find the words to fully praise Figo Pet Insurance, but I’ll try my best. I have a (just turned) 4 year old Pug. Her name is Bug. The day I brought her home, I got pet insurance for her through Figo. I knew I was going to go with Figo because I did much research and found they had the best reviews/reports through CR and the BBB and at a very reasonable monthly cost. (I chose the $10,000 yearly coverage with 90% reimbursement.) Fast forward to 3 1/2 years later. She started having mid-back to hind feet spasms regularly. She wouldn’t/couldn’t walk and was attacking her back paws as if they didn’t belong to her. If I tried to touch them, she would attack my hands. This is very unlike her, as she’s not a biter. Off to the vet for X-rays, but nothing was found. They suspected nerve issues. After 2 months of weekly acupuncture, canine massage, PEMF treatments, and 4 different meds 2x/day, she wasn’t really getting better. So off we went to the neurologist for an MRI. Turns out Bug has a congenital condition that affects her spinal cord from the thoracic area on down. She’s holding her own now on all the correct medications and an at-home exercise program. Figo has lived up to their reputation and exceeded it, in my opinion! I could never have afforded all of her treatments without them. Plus it’s so easy! I use the app to file her claims for her vet fees, medications, etc. Within 3-5 business days, 90% of what I paid out is directly deposited back into my bank account. My baby, Bug, means the world to me, and without Figo I would never have been able to afford her medical care. I’m so happy I made the choice to go with Figo Pet Insurance 4 years ago. I’ve even recommended Figo to friends and clients, who have chosen, and are extremely satisfied with, Figo as well.
Claim Denied via Loophole/Extreme Contract Language
Submitted a claim in Jan-2021 for cherry-eye on 1 year old puppy. Denied because I called the vet 8 months prior to being seen for the issue and asking about it over the phone. The phone inquiry was added as a medical record, so Figo claimed it as a pre-existing condition. First they said it was a denied due to vet diagnosis. The vet provided a letter that it was not a diagnosis and that it was merely a phone conversation/inquiry. Figo responded to said letter saying that it was declined due to 'clinical signs'. No one with a clinical background saw the issue until the day of surgery. So they are saying that me inquiring over the phone 8 months prior constitutes 'clinical signs'. I had no idea that I was qualified as a vet tech/veterinarian. Do not use Figo, they are a racket and don't have any intention of paying out any claims. Pathetic.
This policy has been an utter sham and I wish we had gone with another pet insurance policy. We started the policy when we adopted our rescue dog and the rescue group had given us vet paperwork proving she was in good health at that time. Over the last few months her new vet has identified a range of issues (ear infection, itchy flakey skin requiring a prescription shampoo, bloodwork, urine tests, x-rays for a limp we noticed when she went up stairs, prescription diet for kidney issues from the bloodwork results...) It's been difficult enough for us as it is trying to help our new dog deal with medical issues, and it's been all the worse knowing we paid over $500 for Figo's "preferred plan" pet health insurance while they have systematically refused to partially pay or even consider a single dollar we've spent against our deductible. I could see maybe denying one or two issues, but it's utterly unacceptable to say after thousands of dollars of vet bills that Figo's pet health insurance would refuse to cover a single dollar. I cannot stress enough how shady this company is. Do NOT open a plan with then if you expect them to actually help cover any medical expenses that arise.
We've worked with many other companies over the last twenty years and Figo is the FIRST one we think offers fair, respectful service and doesn't try to excuse every new claim. We're very happy with the service and claim management.
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.
