5
out of 5
POSTED: | BY: Maureen McClure
Wonderful customer service
Answered all questions with a “real”person.
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.
4
out of 5
POSTED: | BY: Zach
Great customers service and very easy to use.
My experience with FIGO so far has been great. They have been a little slower than promised on reimbursements but are communicating with me every step of the way and working hard to fix it. I appreciate the honesty and communication. The site/app itself is easy to use and helps me keep track of everything.
5
out of 5
POSTED: | BY: Tarek Fadel
Great company
They are great. Had a routine claim that took a while to process but it got done and they were great about communicating where they were in the process. The app is awesome and I love the ease of using the service. Also, customer service is very responsive. I highly recommend and I am very difficult to please.
5
out of 5
POSTED: | BY: Carol Reige
Did the claim fast
Very fast response
5
out of 5
POSTED: | BY: Alex
Quick and Fair priced
My husband and I did a lot of research, we have 3 shih tzu’s. They don’t have any issues, but they are our babies and I wanted to make sure we could care for them when needed. Figo had the fairest prices with the most coverage. We could have went with the “Cadillac” package from nationwide, but for 3 dogs it would have cost us $450 a month! As dogs age the prices of the insurance monthly costs go up, that makes sense, but that cost more than what we pay for our insurance as humans. We unfortunately had the pleasure of using the insurance, when my dog would not stop throwing up for a few days straight, yes we paid out of pocket for the visit, but within a week or two we got a check back for 90% of what we paid. Well worth it! If something serious happens we will be covered as long as the illness was not caused by something that has preventative medicine. If you are not giving you dog heartworm meds or are giving the heart worm meds and you dog gets heartworm, the insurance will not cover that, or if there was a preexisting condition, you dog will not be covered for that care. It is best to get insurance right away, get cleared as 100% healthy by the vet and then you are good, don’t wait till something happens then look into it, you get insurance for the “what if” not the “oh no, what do we do now” situations. Keep track of your dog's heartworm and flea and tick, nothing is 100% protective, just like condoms! :) but 99% is better than nothing and will help save your dogs life and not put you in a situation where there is nothing you can do to help them. I hope this review helps you make the decision!
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.