3
out of 5
POSTED: | BY: Robyn Stuart
Havent used it yet
Havent used it yet. So giving it a neutral rating. Puppy is due for exam. We will see.
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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.
4
out of 5
POSTED: | BY: customer
The use of the petcloud app.
The use of the petcloud app.
5
out of 5
POSTED: | BY: customer
My review
I have no reason to give an opinion as I have not needed to use this insurance yet. I hope I do not need it but I want my dog covered for anything that may come up
1
out of 5
POSTED: | BY: MMSLD
Long term customer can no longer recommend
I have had Figo on my Beagle since 2018. The policy started out at around 600 per year. This year's renewal was an incredible 1600 dollars per year. That is a 166% increase. I used to recommend Figo to everyone all the time because they do pay claims fast and according to their policy but since they switched underwriters their increases have been untenable.
I lowered my coverage down to the bare minimum (5k with 80% reimbursement and 500 deductible) in order to make it reasonably affordable at 687 but will cancel when this year is over and switch to Pet's Best which will allow for unlimited coverage, 90% reimbursement and 250 deductible for just 90$ more than I am paying now for very minimal coverage.
There is much ado in the pet insurance community about how filing claims doesn't increase your premium. They are right about that, it doesn't, but it isn't really a benefit for those of us with healthy, well-cared for dogs who rarely use the insurance and almost never exceed the deductible amount when they do. I would rather they based the cost of the policy on the claims filed, frankly - at least that way I'd be paying according to my usage.
Figo is also one of the rare companies that doesn't offer a discount for those of us in the veterinary field. This is a common discount because most pet insurance companies recognize that dogs owned by veterinary professionals often get huge discounts on care and they receive much more care than the average pet, which warrants a discount because it saves them money.
5
out of 5
POSTED: | BY: Jane
Prompt processing
I appreciate the easy electronic submission & then prompt review & payment. Thank you.
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.