5
out of 5
POSTED: | BY: Max Studley
Excellent Experience!
Always efficient with fulfilling our claims. They cover a lot for our plan and we can always count on them for providing us with great insurance. Thanks!
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: Winnie S.
FIGO is the best for my fur baby
The fees are very good and they have paid my claims within a few weeks. Glad I did my research!
5
out of 5
POSTED: | BY: Jan
FIGO is a great pet insurance company
FIGO is a great pet insurance company. They have a great online system for keeping track of all documents for our dog, from immunizations to annual vet visits. Whenever we have had to file a claim, they have been very responsive and have settled everything quickly.
5
out of 5
POSTED: | BY: Cory McGlone
Figo Pet Insurance Review
We had an instance where our one year old dog had eaten something he wasn’t supposed to and was throwing up all night. This resulted in two trips to the vet requiring several rounds of xrays, vet fees and eventually surgery. After it was all said and done our bill was $6,000. We only had to cover about $15 of the bill because we had Figo.
5
out of 5
POSTED: | BY: Marc Lotenberg
Was very skeptical of pet insurance as…
Was very skeptical of pet insurance as have heard bad stories but have been pleasantly surprised with figo. They make it easy to manage and deal with what’s typically an uncomfortable process for people.
Would def recommend.
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.