5
out of 5
POSTED: | BY: Dan Williams
Best pet insurance around
We love Figo.........
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: Brian
Great customer service!
I haven't had to use this insurance yet, but I have worked with their customer service regarding premium changes, changing plans, changing underwriters, etc. and they were wonderful. They helped me through the whole process, kept me informed, and made sure that our coverage didn't lapse between all the changes. 5 stars for great customer service.
1
out of 5
POSTED: | BY: Cesar Navarro
(Please read)Beware
(Please read)Beware, do not get this “insurance” they are scammers. This is a robbery on broad day light. Got the policy with Figo and when the policy kicked in August I took my puppy to the vet, and he had a heart murmur, some Pomeranian dogs have them, doctor said it could be nothing but it could lead to something worst or it could go away, anyway this is a congenital disease. Unfortunately it led to an an enlarged heart and had to go to an emergency vet on October 25th. I also payed more so I can have coverage for vet bills, and they refused to PAY!!!! My Pomeranian has to have surgery and they didn’t want to pay also because they said It fell under the 14 day no Illness period or some crap like that. They asked every document they we had for our dog. And they didn’t want to cover. On their website they have misleading information saying that they could have exceptions if the certified vet would send a letter But his was a congenital disease which this was!!!! also they told me that on the phone. THEY SHOULD COVER CONGENITAL DISEASES which this was the Case. My vet and the cardiologist send a very convincing letter and and she also spoke with them on the phone A COUPLE OF TIMES they REFUSE TO PAY as well as this point all I wanted is my puppy to have surgery and I had to put it on my credit card. I had to pay more than $6000 which I’m still trying to pay. My dog passed away in surgery On Nov 7th, we are still heart broken and we miss him every day.
Figo when they replied denying to pay used a very normal language with no medical terms but, last email I got from them it FELT LIKE AN INSULT!!! They transformed the letter that the cardiologist and the vet send them to change a few thing now speaking with medical terms like PDA and stuff like that. They are full of crap turning tables on their favor. Even when my Vet from the specialty center and cardiologist called them and sent emails to them, they were looking always for a way out. They wanted to talk to the fist vet that detected the murmur trying to find contradictions but they couldn’t find any!!! They still denied to pay. I tell people I know about this and they have lost customers cause these are really messed up. Life will get them in sure of that I believe that karma will get them and all the money they make out inocent beings like dogs and us their owners.
5
out of 5
POSTED: | BY: Tanja Prigmore
Great service.
Great and fast service, easy to file a claim.
5
out of 5
POSTED: | BY: Amy
Thank you for your consideration ahead of time
Thank you for canceling my policy after my cat passed away without calling it out. That makes our family feel so touched.
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.