5
out of 5
POSTED: | BY: RJ Callaway
Figo has been nothing but great.
After all the initial paperwork was settled. Figo has came up huge and has been nothing but great to work with.
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.
5
out of 5
POSTED: | BY: Sandi B
We love Figo!
I've had many wonderful pets over the years, and I wish I had known about pet insurance earlier. I read reviews, compared different insurers, and created quotes. Most importantly, I studied the coverage details. Ultimately, I am happy and grateful I chose to insure my rescue dog with Figo. When I had to file a claim, I was at first apprehensive, but it turned out to be a painless process. I just took a pic with my phone and submitted it. My claim was processed within two weeks and all the claim info was available in my Pet Cloud. Since that first experience, I have filed several more claims and the process has been relatively consistent. The last claim I filed (about a month ago) took a little longer, but I received two messages from Figo to keep me informed. This insurance has been a saving grace, as my dog has had two illnesses and I didn't have to worry about the vet bill. Thank you, Figo!
5
out of 5
POSTED: | BY: Lori Pulciani
Lucky
Since we've had Figo, I haven't had to file a claim . So I can't leave a review for claims.
5
out of 5
POSTED: | BY: thomas amato
excellent response time and service
Excellent response time and service for my dog's injury and surgery.
1
out of 5
POSTED: | BY: Bryce Clark
Not what they say
Gotta love a company that says one thing on the phone and practices another. I had called in before getting coverage to confirm a few questions as to what was classified as pre-existing. PRAY that none of your pet(s)' medical attention can be connected to a prior issue. I was told over the phone that my dog's one seizure would not be deemed as pre-existing; however, as the challenges mounted, all claims were denied and after taking my money, was told condition was pre-existing. FIGO is also EXTREMELY SLOW in reviewing anything. Thanks for nothing but the pick-pocket.
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.