5
out of 5
POSTED: | BY: Charlene
Very fast payment and great customer service!
Figo has been great so far. Very fast payment and great customer service.
4.2
out of 5
Number of reviews 2,599
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: C Andersen
I can't think of an easier insurance to…
I can't think of an easier insurance to deal with. I visit the vet, take a photo of the invoice, upload it to Figo's website and am quickly reimbursed directly to my checking account. Sometimes, a claim is processed in under an hour! And they have never challenged any vet fee or treatment. Great company.
5
out of 5
POSTED: | BY: Danita Browne
There when you need it!
Honestly, I have become some sort of pet insurance evangelist after my recent experience. Prior to adopting my two cats (as kittens) in 2017, I did my research on pet insurance and went with Figo. I enrolled them the day I brought them home. Fast forward to September 2018 and my boy cat suddenly had a urethra obstruction which could only be resolved with surgery. It was very stressful and completely unexpected. I made many calls, emails, and texts to Figo during this time. There was a system glitch that had made it look like my policy was not up to date. Everyone I interacted with was kind, understanding and helpful. Figo has absolutely been worth every penny paid in premium. I don’t know what I would have done without it. Submitting claims is a breeze with the mobile app.
5
out of 5
POSTED: | BY: Eric Bostrom
Figo is excellent
Figo is my first experience with pet insurance and they have been great. I opted for the ultimate/100% reimbursement plan so I could proceed with our vet's recommendations without thinking about my wallet. In hindsight this was an excellent decision as we've had a few incidents in the past year that would have been painful otherwise. The peace of mind is well worth the expense.
Figo has processed all of our claims quickly. Most recently they paid our $2k claim the day after I submitted it! At most I've had to submit additional/missing paperwork. They haven't ever hassled me regarding any claim or course of treatment.
Similarly, I've called customer service a number of times and a human answers on the first ring. I've also emailed them with questions. They've been helpful every time, I'm quite impressed.
5
out of 5
POSTED: | BY: Andrea Gallagher
Fantastic customer service
Fantastic customer service. Excellent turnaround for claims! Easy to access everything I need for my furbaby
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.