5
out of 5
POSTED: | BY: Deidra
Processed my claim so fast
Processed my claim so fast
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4.1
out of 5
Number of reviews 2,792
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: Nik
Figo Never Pays Claims - Fine Print Warriors
I am confident that the people at Figo do not care at all about our pets. In about a year of coverage, they have denied every single claim, stating each occasion for our visit to the vet is due to preexisting conditions (we made a really regrettable choice of switching to Figo from Healthy Paws because Costco was partnered with them and we trust Costco). They stick to the fine print with religious zeal, going so far as to say that a nail injury to a dog (injured when he slipped on the icy sidewalk) is on the same paw as a blister that he'd had 4 years ago so that somehow is a preexisting condition. I am quite certain that if a dog choked on a ball and we had to take them to the vet, they would say "well, he has allergies so this is a preexisting condition because it deals with his air passage".
Put simply, Figo looks like a great deal because their premiums are lower than a lot of their competition, but they can afford to keep their premiums low because rarely do they every pay out. If they were a person and my neighbor, I would not trust them to watch my child, even for a minute.
5
out of 5
POSTED: | BY: Christine
Great choice
I actually love having you for pet insurance! Easy, quick, efficient, and affordable
5
out of 5
POSTED: | BY: Leigh Janous
Great Pet Insurance
We’ve been really pleased with our coverage from Figo. We had one instance where we had to appeal a denial of coverage. After getting the requested documentation from our vet for Figo, they paid the claim. The process has been really easy so far. I’ve recommended them to several friends with pets.
5
out of 5
POSTED: | BY: AAP/ Music & Film Group
Figo insurance is wonderful
Figo insurance is wonderful! I am very pleased with your online customer support and over the phone communication. All the reps are understanding, kind and knowledgeable. Thank you for all that you do for our furry friends. A Five Star company! Be well.
Best regards,
Philip C.
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.