5
out of 5
POSTED: | BY: Steve Fejes
Lauren Did a great job taking care of my claime
Lauren did a great job taking care of my claim and the follow up phone call was very nice.
4.4
out of 5
Number of reviews 2,463
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: Rachel Moss Ellsworth
Excellent service and policy coverage
This company was recommended by the veterinary hospital that attended to our dogs and I could not be happier with the coverage that is provided as well as the exceptional customer service we've experienced from the time we requested a quote to our first time submitting claims. Claims were approved within 2 weeks of submission and anything that was not covered was clearly identified (although 99% was covered for the surgery and treatment of our dog). Their website and app is very well-designed and easy to use. Definitely recommend!!
5
out of 5
POSTED: | BY: Nancy Oliver
Just signed up
Customer service has been excellent. It seems filing claims will be a snap. I currently have another pet insurance for my two dogs, but they are raising the premiums extremely high. FIGO's rates are competitive with great coverage.
5
out of 5
POSTED: | BY: Emily Jay
Best Pet Insurance with Real People Accessible to Help
The entire team at Figo has saved me over and over again. My friends speak of their disappointment and declined claims from Nationwide, Trupanion, and Healthy Paws, and I am so grateful to feel the exact opposite about Figo. I've never had a claim denied and I'm eternally grateful for not only their coverage, but their excellent staff who genuinely cares about my dog's health. Simple "Get well soon" cards and occasional goodies like portable water/food bowls are cherries on top of a wonderful company. I would recommend them to anyone!
5
out of 5
POSTED: | BY: Gina Gaus
Great insurance company!
I got insurance for my dog. I only pay about $30 a month and I have a $200 annual deductible and I get 100% reimbursement. My dog had an allergic reaction to something he ate and within 2 weeks, they had closed my case and were sending me my reimbursements. Very happy with this insurance company. They also were very helpful when my billing information changed and helped to make sure that I kept my pet insured. Without Figo, I would have been stuck with a $1000 vet bill
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.