5
out of 5
POSTED: | BY: Kristen Griffin
Great insurance options
Wonderfully customizable insurance options. Quick review and payment of claims.
4.2
out of 5
Number of reviews 2,597
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: Hayley
Fast and Easy To Use
Figo is easy to use and fast to respond. The coverage breakdown is easy to understand. The claims process only takes minutes to submit. Very satisfied!
5
out of 5
POSTED: | BY: Melanie
Excellent so far
I have talked with support about my Laineys claim as I had three documents to send and they have all been very helpful, compassionate and kind. I hope the rest of this continues this way
5
out of 5
POSTED: | BY: Valerie Gathright
Figo has been such a comfort
Figo has been such a comfort. We bought a young healthy dog from a good breeder and thought we'd only need insurance when he got old. He's two and so far he's eaten a pair of underwear ($4,000 bill), developed allergies ($250 per month) and we are currently trying to figure out the source of his limp (xrays, MRI, CAT scans etc..) Figo has promptly reimbursed everything for us and it's been so wonderful to give our lab the best care without worrying about cost. It's easy to use and they deposit money directly into our checking account without any hassle, preapproval or disputes. Our biggest fear is that we will single handedly bankrupt them, but thankfully we have a cat that doesn't have the same penchant for health problems. So grateful for all of those healthy pets out there that help pay for the sick ones. You never know when you will need the funds so I encourage everyone to insure their pets through Figo!
5
out of 5
POSTED: | BY: Kelly Woods
Overall a very good pet insurance company
People on the phone are wonderful, they seem to really care about your pets and my couldn't be friendlier. I had never used the insurance before and hoped I would never have to and the review process does take a bit longer then I think it should. My veterinarians gave them all the information they needed right away but the payment did not come through right away. As a matter of fact I'm still waiting for one. But in the end if they come through that is what matters.
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.