5
out of 5
POSTED: | BY: customer
The one time we filed a claim it was…
The one time we filed a claim it was handled quickly I thank you for that
Read more on Trustpilot
4.4
out of 5
Number of reviews 2,441
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.
Reviews
1
out of 5
POSTED: | BY: Toni
You won’t be sorry using Figo pet insurance.
Figo pet insurance is great. I submitted a claim on Wednesday April 24th and a few days later the claim was closed and the reimbursement was in my account. I would recommend Figo pet insurance to anyone looking for pet insurance. You will not be disappointed.
5
out of 5
POSTED: | BY: Ken R
Turn around so quick it made my head spin
I was able to quickly submit my insurance claim to Figo and was pleased with how fast I was reimbursed. Thank you.
3
out of 5
POSTED: | BY: Dan
Bittersweet
The claims are processed quickly, but many things are not covered. It is affordable, but ultimately not great if you're looking for a broad net of coverage. Also, there is a 14 day probation period when you first sign up, so do not schedule a vet appointment during this time... they'll say any findings were "pre-existing".
1
out of 5
POSTED: | BY: Katy Hester
My dog had an emergency room visit…
My dog had an emergency room visit because part of a wooden deck got impaled in her paw and it was quickly infected. The ER sent paperwork, my vet for her follow-up sent paperwork. I got copies of the paperwork and submitted them myself and I was told they couldn't reimburse because we didn't send the paperwork.
If I have to work that hard and still get no coverage, I'm not interested.
Policy
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)
Company
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.