5
out of 5
POSTED: | BY: Jacob Davidson
Friendly and timely
Friendly and timely. Great rates and love that you can customize your policy.
Read more on Trustpilot
4.2
out of 5
Number of reviews 2,602
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: Jessica Quintanar
Thank you!
The claims are extremely easy to submit and we received our reimbursement within 5 business days.
Thank you so much!
The Quintanar's
5
out of 5
POSTED: | BY: Michael Cloutier
Great response time on first claim
Great response time on first claim.
Took 2 days to receive the deposit in my account. Real easy, online, process. Great service and clear explanation of benefits.
thank you!
1
out of 5
POSTED: | BY: Mary
HUGE rate increase on my young & healthy dog
My premium just doubled from $31 to $59 on my healthy 2 year old dog! Keep shopping.
1
out of 5
POSTED: | BY: John
200% increase in premium after 1 year
Their claims dept. is completely incompetent. Not only do you have to put the bills on your CC, it took 4-6 weeks for reimbursement. The first years premium was fine, $84/mo $1009 / year. Now I get my 2nd year bill and it's jumped to $206/mo $2396 / year. Outrageous. It's bad enough having to endlessly call to get my claim processed, now I get totally gouged on the renewal.. Off to trupanion.. these guys suck endlessly.
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.