5
out of 5
POSTED: | BY: Michael Ceretti
First timer
Hassle free claims!
Read more on Trustpilot
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: Nicholas Sapienza
Figo has lived up to their commitment…
Figo has lived up to their commitment and claims have been paid promptly, and highly recommend them.
3
out of 5
POSTED: | BY: Jill Szponder
Slow on refunds
Slow on refunds. I had to call several times to get materials reviewed.
1
out of 5
POSTED: | BY: Ralph
Figo is a scam!
Figo seemed like a great deal for my first year but they recently raised my monthly rate from $30,00 a month to $67.00 a month. I did not get ANY notification that they were raising the rate and the only reason I noticed is because I went in my app to check on a claim and was looking at all the options on the app. They told me the raise in rate was due to higher vet fees in the state where I live which I don't understand as my particular veterinarian's fees are not going up. It's a new insurance company and I think they are an absolute scam to rope you in and then charge you higher fees. Happily switching to new company.
5
out of 5
POSTED: | BY: Rana
Great Service!
When we opened our claim for our little Maisie back in February things were a little slow in getting processed and paid. Over 30 days. I was s little skeptical about claims. Once the claim was approved by Figo, any re occurring bills sent into them regarding this claim was paid within hours of submittance! Great job Figo! We are very pleased with the service and being prompt with payments!
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.