Our Pet Cloud also now offers the following features:

  • Ability to video chat with a licensed vet 24/7
  • AI claims experience with the help of Evie, our AI chat assistant. Evie will ask questions about the claim and the policy holder will simply answer the questions, upload a picture of the bill and the claim will be submitted.
  • Real-time claims tracker
  • Push notification reminders (for appointments, pet medication, birthdays, etc.)
  • Cloud-based storage for all pet medical records
  • Ability to locate pet-friendly places (restaurants, hotels, etc.) and connect with other pet parents in your area

Average customer rating

8.8 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 9.3 8.8
Count 1 218 575

Figo Pet Insurance

1
Out of 10
Posted: 11/22/2017
By:
Jake Matthews

Warning. Stay away from Figo Pet Insurance. They are a scam. Their customer service is horrible and they process claims very slowly. I was told several times that they are experiencing high claim volume and they are hiring more people to handle it. I was...

Injury/illness
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
Under a year
1
Out of 10
Posted: 11/20/2017
By:
Skye

Figo is a great idea, however their employees are the worst I have ever come in contact with. During the difficult time after my dog was diagnosed with hemangiosarcoma I found myself having to call them to make sure claims were received with all needed...

Injury/illness

Cancer

Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
1
Out of 10
Posted: 11/16/2017
By:
MJ

I submitted a claim 2 weeks ago and it has not been processed. I called customer service and was told they are experiencing high claim volume and they are not able to keep up. I was told the company is growing and is experiencing growing pains and they...

Injury/illness
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
Under a year
9
Out of 10
Recommended
Posted: 11/01/2017
By:
JILL WANZIE

My Labrador puppy was facing life saving surgery. It had to be done at an emergency hospital so it was going to be very expensive. Even though I was scared to death, I took out a CareCredit loan that I really couldn't afford, to pay for the surgery. I...

Injury/illness
My dog swallowed a kong. His intestines became completely blocked.
Claim Amount
Over $1000
Breed

Labrador Retriever

Age of Pet
Under a year
Monthly Cost

$9 - $135, depending on your 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

Pet must be at least 8 weeks old to enroll.

No upper age limits apply.

Waiting Period

3-day waiting period for accidents, 14-day for illnesses (including hip dysplasia), 6-month for knees. Option to waive no longer offered.

Exclusions
  • Curable pre-existing conditions may be eligible for coverage if symptom free for 18 months
  • For holistic therapy: Acupuncture & Chiropractic care are included
  • Lost pet benefit no longer offered
  • Pet mortality is limited to cremation only

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.