5
out of 5
POSTED: | BY: John spoulos
Professional
Very professional and caring staff. A great company.
4.4
out of 5
Number of reviews 2,563
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: Sunny
figo is easy to use and patient to explain everything
This is my first time purchasing a insurance. Figo gives me a great experience. I will continue purchasing Figo for my dog
1
out of 5
POSTED: | BY: customer89
Terms constantly being reduced without…
Terms constantly being reduced without change in premium. Horrible follow up and follow through, great customer service.
I use Figo for two of my pets - one puppy from the day he was old enough to be covered. I'm constantly getting updates to the policy, all of which are eliminating coverage that existed when I signed up and agreed on a monthly premium. It also took a lot of time on my side to show and prove prior health records (required of all insurance companies) for my puppy. I keep great records and sent them to Figo, only to have them rejected multiple times and claims rejected due to this. I had to continually follow up to get them to accept them (no change in documents, nor upload procedure). I would not recommend Figo. There are plenty of other great options out there.
5
out of 5
POSTED: | BY: Alex
So far GREAT!
Everything has been great so far! The app is very useful and user friendly, claims are super easy to submit and always get processed super quickly, really excellent service
5
out of 5
POSTED: | BY: Inyang I Ebong-Harstrup
I think this is a great pet insurance…
I think this is a great pet insurance company. The settlement of claims is particularly impressive. Glad I found Figo when I got my precious Cavalier, Charlie Boy.
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.