5
out of 5
POSTED: | BY: Jessica
Great customer service
Great customer service - really happy with their insurance!
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4.2
out of 5
Number of reviews 2,598
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.
1
out of 5
POSTED: | BY: Amy Z
Three and a half months later I'm still waiting for a response
When I uploaded my documents figo informed me that due to "growing pains" and a pending transition in the process, my claim may take much longer than usual to process- up to six weeks. Almost three months later I still hadn't gotten a response. They had, however, doubled my monthly premium with no advance notice. I called and was told that a customer service manager would call me first thing the next morning as she was out for the day. Two weeks later, I still can't get a hold of her and I'm starting to think she doesn't exist.
5
out of 5
POSTED: | BY: Neil S
Figo is transparent with what they do &…
Figo is transparent with what they do & do not cover unlike some other pet insurance companies.
Claims are processed and paid out quickly without any hassles or having to call to argue.
I wish human insurance were this good!
5
out of 5
POSTED: | BY: Jacqueline Bolier
Outstanding service ..
Outstanding service ... super easy to upload claims on my phone .... and now claims have been filled in 2 days!!
4
out of 5
POSTED: | BY: Nicole
pretty great
Figo has been so good to me and my dog. My dog got VERY sick earlier this year and had many thousands of dollars or vet bills and Figo reimbursed without hesitation. Filing a claim is easy as can be. Claim time was at 3-4 weeks, but the last few claims I filed were approved in less than 24 hours. Awesome. My only two complaints are that my premium is doubling after the first year. Also, when I used email for customer service it was very ineffective. But their text customer service line is great. So happy with Figo
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.