5
out of 5
POSTED: | BY: Janelle manchester
Awesome service real fast easy breezy
Great service easy on the app real quick money pay out. Easy to upload documents
4.4
out of 5
Number of reviews 2,622
Updated: May 29, 2024
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: Stacy A
Rip you off!
I had FIGO for a year and my premium doubled. It went from $60/month to $120. That's ludicrous. I've had several different pet insurance companies not one single one has doubled in premium, maybe a couple dollars more at most to increase. When you call to complain they only say "well premiums go up". Ummmm no, they don't double. My friend had the EXACT same experience with FIGO. Stay away unless you want your premiums to increase dramatically!
5
out of 5
POSTED: | BY: Sandra sloane
Easy
It has been a pleasure with Figo. Claims are processed very quickly, and money into my account sometimes within just 24 hours of filing. Love Figo!!
5
out of 5
POSTED: | BY: Jason
Figo came through
Because I have never filed a claim for pet insurance before, I was nervous something would not be covered for one reason or another. But I submitted the bills with the vet's explanation and everything went smoothly. Our kitty spent two nights in ER care.
5
out of 5
POSTED: | BY: Michele
Very easy claim process, and extremely fast payment
I’ve submitted multiple claims for both of my dogs over the past 20 months, and have had nothing but very positive results with Figo. Super easy to file a claim using their app (<5 min), and the reimbursement is automatically transferred to my bank account within a few days. Very happy with this company!
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.