5
out of 5
POSTED: | BY: Philp
Very fast response
Very fast response
Read more on Trustpilot
4.4
out of 5
Number of reviews 2,431
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: Rose
The claim was completed in one day
The claim was completed in one day. That was quick.
3
out of 5
POSTED: | BY: Diana & Barry
So far I’ve had helpful information…
So far I’ve had helpful information when I called in. Not sure how to read my claim however ? I don’t know if it was paid or not
1
out of 5
POSTED: | BY: Brenda Bergeron
Disaster from the Start
When we selected our policy, the writer made errors in what we selected for coverage. We called immediately and told it could not be changed that we would have to wait a year to make any changes or updates. Every claim we submitted was denied even though it was for our puppy and fell within the guidelines. We wanted full coverage and did not receive what we requested. I do not recommend based on lack of customer service,
5
out of 5
POSTED: | BY: Ale
Claim Process
The claim process took less than 5 minutes and I received a status update within 20 minutes. Super easy and seamless - love it!
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.