5
out of 5
POSTED: | BY: Jessie Brown
So easy and fast!
Well worth the money! Filing a claim is so easy and fast and claims are processed within minutes!
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: BettyOD
Excellent service!
Our dog has just been diagnosed with diabetes. The team at Figo has been very helpful, advising and leading us through the procedures for reimbursement. My daughter has CP and seizures - the dog is very important to her. We got the insurance to cover something major, but we are grateful to get financial help as this will be long term..
1
out of 5
POSTED: | BY: Kristi King
What can I get out of paying?
We had both our dogs "insured" with Figo. WORST CARRIER EVER! I am not going to go into great detail, but just know that they will try to weasel their way out of paying a legit claim. I am in investments/insurance and my husband is a claims adjuster so we are in this field and tend to know how claims work. My dog had fecal impact, we had the plan for almost 6 months by this point. They denied the claim stating it was a "pre-existing condition". I do not need to explain that if you my dog was impacted for over 6 months, my dog would have her angel wings. I filed a BBB complaint and they later adjusted it, we received a $1.99 reimbursement and we met our deductible. Well, we cancelled our plan. I asked them to go back and review all of the other claims they labeled as "pre-existing conditions" and I have not heard a peep. They tried to save face knowing that we cancelled our plan just to appease BBB. Nice try. We all know what you did, Figo. I left reviews on their FB page and SEVERAL other had similar complaints. There are many reputable companies out there, I would research before buying into their plan.
5
out of 5
POSTED: | BY: Scott
Great experience
The claim process through the iOS app was super easy! Claim was processed in 3 days.
5
out of 5
POSTED: | BY: Geena
Always super friendly and helpful
Always super friendly and helpful! I've had a great experience so far. It's still kind of early in our relationship but so far Figo seems like a keeper
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.