5
out of 5
POSTED: | BY: Jenna
Amazing
Amazing! I get refunded the next day. Very quick and responsive.
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4.2
out of 5
Number of reviews 2,618
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.
3
out of 5
POSTED: | BY: AP
Okay
I like that I have something for emergencies and the flexible plans. I wish it was more transparent and up front with the Power Ups, I probably will not be renewing my wellness power up after this year. I also wish we were given a date for when we would be reimbursed so I could budget better.
5
out of 5
POSTED: | BY: Ellis and Anna
Great service
Checked around at other insurance companies for pets and contacted my veterinarian who recommended three different ones. We picked Figo.
1
out of 5
POSTED: | BY: Rose Nied
DONT BUY FIGO PET INSURANCE
I got Figo pet Insurance for my 4 dogs. After almost getting through their waiting period my dog got a lump on her leg...it was not there prior to getting the insurance. Sure enough cancer..not sure what kind cuz it cost 500 to get it checked out. I was 14 days from it being covered and they denied it. I ended up after 3-4 mos having to put her down. In the meantime I decided to cancel all policies for my 4 dogs. It is now 31 BUSINESS days and still no refund. I have called several times to check on it and always told it is being refunded...I have asked to talk to supervisor a few times...always NO ONE is available...and always told someone will call back but NO ONE calls back...and NO REFUND AND NO HEALTH CARE when my dog really needed it. Don't waste your money. Set it aside in an account and if something happens you'll have it. I found other reviews --- too late--- on reddit and other places saying this company will take your money but not give you the health care you pets deserve. Find someone else!
1
out of 5
POSTED: | BY: Chelsie
Not Worth The Cost
I’m very disappointed in how little they actually cover especially given that I upgraded with add ons like wellness—I’ve spent well over 600 dollars (just to keep in mind that I did sign her up as a 12 week old very healthy puppy) and did all the standard vaccinations / exams and Figo only reimbursed me 45 dollars. That’s it. I work in insurance and employer/ee benefits and I’ll never recommend this to my groups. The app is easy to use.
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.