5
out of 5
POSTED: | BY: Danielle
Awesome coverage for dogs.
Great coverage for my pet.
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: lanny hunt
best pet insurance ever had and have used others figo is superior
have had other insurers figo is the BEST their claims process is fast and fair
5
out of 5
POSTED: | BY: Laura Carty
Good price, easy to submit claims, easy to use app, took a while to receive money from the claim- but it did work out- overall
Good price- great app- easy to use- worth the money! Claim took a while but it went thru and was accepted
5
out of 5
POSTED: | BY: Ron Weprin
Good service. closing claim takes too long. Excellent customer service.
In my experience with this company, they are excellent, even though it took way too long to settle my claim. Called on the phone several times and spoke to friendly and knowledgeable people.
5
out of 5
POSTED: | BY: Chris
Fantastic customer service, personable and efficient.
I have always had pet insurance and my experience with a past company had me questioning whether to keep insuring my dogs. After much research and input from friends, I chose Figo and have been very happy so far. From the beginning, the customer service was exceptionable for my many questions and concerns. I highly recommend this company - even though they advertise as a cloud-maintained company, I am so impressed with every interaction I have had with this company.
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.