5
out of 5
POSTED: | BY: Bree Amaya
Quick claims review and refund
Quick claims review and refund
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4.4
out of 5
Number of reviews 2,441
Updated: November 13, 2023
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: Jackie Holowinski
Quick and Easy
Starting with Figo’s Customer service. There was never a wait or hold period when I called. My dog needed ACL surgery, I was calling a few times a week with questions and concerns. Each representative was respectful, knowledgeable, and truly concerned about the well being of my dog. The woman on the other end of the phone remembered me and we would be able to continue our conversation from the previous day.
Filing a claim was just as painless. I filed a few claims and requested a pre approval for the surgery. My vet was quick to send records to keep Figo up to date. I was receiving claim responses within 3-5 business days, and reimbursement checks within the next 3-5 days.
Th explanation of benefits were clear and easy to read. Services were itemized and explained clearly.
I talk to so many people who do not have pet insurance. After needing pet insurance and having a positive and successfully experience- I would recommend it to anyone.
5
out of 5
POSTED: | BY: SW
10/10 Paws!
Figo lives up to the hype. Their customer service is top notch. Very fast response time. The app is user friendly and convenient. My last claim was processed literally in less than 3 hours. When purchasing pet insurance, I definitely shopped around. Figo had the best rates + deductible + reimbursement that I found for my dog.
5
out of 5
POSTED: | BY: Janice
Your Insurance acted wonderful
This is the first dog we’ve had insurance on, and within the first 11 months it came in very helpful. Thank you.
5
out of 5
POSTED: | BY: Sam
Excellent customer service
Excellent customer service and extremely fast turnaround.
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.