5
out of 5
POSTED: | BY: Trish Hoffman
The best pet insurance
The best pet insurance, period!
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4.2
out of 5
Number of reviews 2,607
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: Kristin
They make filing a claim easy and they pay quickly.
Figo is the best. Claim process is so easy, done right on your phone with a few easy questions. They also pay very quickly. I have had claims paid in less than 24 hours. I will be adding a second dog to my policy soon.
5
out of 5
POSTED: | BY: Kim G
Simple and fast
We filed a claim on Monday and received our reimbursement on Friday of the same week. Our dog was treated by our vet our local emergency hospital. Multiple providers did not seem to slow the process down, and we did not have to be middle-person between vets and Figo. All handled by Figo. Figo paid what we expected according to our plan selection. Very happy! This was our first year on the plan, so not sure how this affects our renewal rate. That is a future concern. Currently, as I said, we are very impressed and happy!
5
out of 5
POSTED: | BY: Amanda Martinez
The best pet insurance!
Figo has been the best pet insurance. It is quick and easy. Payments are taken out of my account monthly and I don't have to worry about my pets!
5
out of 5
POSTED: | BY: Nancy Hoyt
All insurance claims were handled very…
All insurance claims were handled very quickly and efficiently. Whenever I needed to speak with someone, staff was always very helpful and kind. I've had other insurance policies for pets in the past and none have come close to the service Figo offers.
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.