3
out of 5
POSTED: | BY: Janis Ling
Timely help
Your associates have been very helpful over the phone and on line.
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: Janet Rumshas
Customer Service Representative Was a Great Help
I have had a Figo policy since my dog was a puppy and fortunately, I have never needed to submit a claim. My monthly premium increased due to a new underwriter and I needed to find a way to lower my new premium. I placed a call to customer service and Jade was able to explain the increase to me. After the call, Jade called me back with a solution and was so helpful in showing me options. After increasing my deductible, I was able to continue using Figo and have peace of mind knowing that my pet will receive quality vet care if she has an accident or illness. Thank you, Figo and Jade.
5
out of 5
POSTED: | BY: Audrey Reilly
My Figo experience has been fabulous! The claim process is fast and efficient, I highly recommend Figo Pet Insurance.
My Figo experience has been fabulous! The claims process is fast and efficient, I highly recommend Figo Pet Insurance.
5
out of 5
POSTED: | BY: Buddy
Exceptional service + coverages
Exceptional customer service
5
out of 5
POSTED: | BY: Jill
Awesome experience
Figo is a breeze to work with. I submitted my claim and had the money in my bank account in less than 5 days. It made the stress of having an almost $1500 emergency vet bill so much more manageable. I have very high standards when it comes to customer service and Figo passed with flying colors.
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.