5
out of 5
POSTED: | BY: Steve
Best Pet Insurance available
Figo makes the claims process really easy, being both transparent about their de and fair in reimbursing for covered claims.
4.4
out of 5
Number of reviews 2,447
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: Tami Laabs
Best pet insurance company ever!
Besides the fact that each year the rate increases in pretty high amounts, it is otherwise beyond wonderful. Top notch customer service, fast claim compensation and great coverage. I just hope it doesnt keep increasing each year for it wont be very affordable anymore. 😔 Dealing with cancer myself, money is tight yet I want my cat taken care of as well. Keep up the great work Figo!
5
out of 5
POSTED: | BY: Kerry
Figo is the best!
Not only does Figo pay your claims within a couple of days but they also are very compassionate when your fur baby passes away.
5
out of 5
POSTED: | BY: Jen
BEST PET INSURANCE!!!
I cannot day enough great things about Figo! Their app is super easy to use, reimbursements are quick to be paid, and their customer service is beyond compare. I am so happy I chose Figo and I hope others do too!
5
out of 5
POSTED: | BY: Kate Bar-Tur
Fantastic, fast, thoughtful, thorough service on my first two claims.
Figo provides fantastic, fast, thoughtful, thorough service on my first two claims.
I recommend that everyone have pet insurance and Figo is really great.
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.