5
out of 5
POSTED: | BY: RICHARD BULLENTINI
Fast service
Fast service
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4.1
out of 5
Number of reviews 2,785
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: Sharee Storie
This insurance is a joke
This insurance is a joke. I have illness/emergency insurance and nothing seems to be covered. I wouldn't recommend this company. You'd be better off saving the monthly bill amount into a pet account. You're paying these people to just deny claims.
1
out of 5
POSTED: | BY: Alina Labizon
I recommend to stay away from Figo
I purchased the policy with Figo for my healthy 3-months-old puppy; Included wellness benefits (preventative) in the coverage.
a) Figo only covered a very limited amount for the vaccinations and wellness exam that I specifically chose to pay the premium for ($165 out of $548.84).
b) When I took Charlie to be examined for a few skin issues that I thought could've been problematic (after the waiting period was over!!!), Figo found a way to not cover it because I told the doctor that they appeared 4-5 days ago, and 5 days was apparently prior to the end of the waiting period. The fact that I said 4-5 AND that I waited to take him to the vet AFTER the waiting period was over didn't matter, I guess.
c) But the last drop was the denial of half of the charges for the diarrhea appointment. To deny the coverage for the test for parasites while the puppy is having such severe diarrhea is absurd!
And the medication the vet prescribed was not "medicated" enough, it was too "natural" for Figo, so they didn’t cover it as well.
I refuse to give my business to the insurance company that has no care for animals and only cares for their bottom line.
5
out of 5
POSTED: | BY: Cathy
Very easy to work with and submit a…
Very easy to work with and submit a claim.
5
out of 5
POSTED: | BY: Kay and Michael Rosness
Excellent experience with Figo ...
Figo representatives are professional and handled our vet statements expediently. Website is easy to use and they respond immediately. So glad to opted to choose them as our insurance carrier for our Melody.
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.