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Figo Pet Insurance Review

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Figo is a Chicago-based pet insurance provider that cover cats and dogs. Founded in 2012, Figo takes a very technology-centric approach to pet insurance, incorporating a cloud-based platform to manage all your medical records and relevant information.

The company offers plans that cap benefits at either $5,000 or $10,000 as well as an unlimited benefit plan.
 
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How is Figo rated?

Breakdown

4.5/5
Coverage
3.3/5
Cost
4.3/5
Extras

Overall Rating: 4 / 5 (Very good)

Figo offers extremely generous coverage for the price. Its standard plan covers items that most high-level plans won't unless they are made available as costly add ons.

Figo is the only company we are aware of that has a 100% reimbursement option at their highest premium rate. The company unlimited coverage as an option. In addition, pet owners can add one of three PowerUps to their plan: Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack.

However, Figo is relatively new and doesn't match the long track record some of our other featured companies.

Figo Coverage

Coverage - 4.5 / 5

Figo offers three plan levels and all of them provide substantial coverage for the price compared to most other companies.

Figo's least expensive plan covers normal accidents and illnesses, but also things like prescriptions, hip dysplasia, alternative treatments, prosthetics, mobility devices, and treatment for behavioral problems.

Figo imposes no exclusions for hereditary or congenital conditions, or pre-existing conditions if they have been cured for 12 months.

Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 4 / 5

Unlike some of our other top companies, Figo does not select unlimited coverage for you as a default. You can choose between $5,000, $10,000, and unlimited.

For complete peace of mind you may have to go with the high end plan to get the unlimited coverage, as advanced techniques and specialized treatments are costing more than ever before. Figo does not operate on a benefit schedule.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 4.3 / 5

Figo offers reimbursement levels of 70%, 80%, 90% and 100%. They are the only pet insurance company we are aware of that offers a 100% reimbursement option.

They also pay out on the actual vet bill and do not follow a usual and customary cost model.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
100%

Deductibles - 4.5 / 5

Like the best plans we've reviewed, Figo allows you to customize your deductible. They offer a wide range of deductible choices, depending on your pet's age and location: $100, $250, $500, $750, $1,000 or $1,500.

These are annual, not per condition deductibles.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1,500

Pricing: How much does Figo cost?

Cost - 3.3 / 5

Figo offers you more extensive coverage than most competitors at a price that is in line or slightly higher than average depending on the plan, deductible, and reimbursement percentage you choose.

Plus, Figo’s Pet Cloud platform gives you access to a licensed vet 24/7 via video chat, the ability to seamlessly manage your pet from one location as well as a virtual pet lover community. Advantages include pet-centric activities and stores around you, vaccination and appointment reminders, ability to store and share medical records and online pet profiles that can assist those looking for lost animals.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$52.85
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$28.99
Rate Details:
Available Discounts: Multiple pet Corporate group benefit plan

Enrollment & Waiting Periods

Enrollment - 3.3 / 5

Figo covers all dogs and cats 8 weeks and older. There is no upper age limit, which is great as many other plans have one. There are also no breed restrictions.

Waiting periods for accidents and injuries is 1 days, and 14 days for illnesses. There is also a 6-month waiting period for problems associated with hip dysplasia and orthopedic, but the waiting period may be waived if your vet submits a form that certifies your pet has no pre-existing orthopedic conditions.

Figo offers multiple pet discount and a corporate group benefit plan. Discounts may vary by state.
Min Enrollment Age
8 weeks
Accident Waiting Period
3 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 4.3 / 5

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 for a full refund.

Figo's claims process is completely paperless and features fast and easy mobile claims with an average approval time of 2-5 days. Over 50% of claims are closed in 24 hours. Submit claims right through the Pet Cloud app by simply answering a few questions and sending a picture of the invoice. Evie, Figo’s AI chat assistant, will walk you through the process step by step. Once your claim has been submitted, their real-time claims tracker allows you to see exactly where your claim is in the process. Turnaround times are faster if you select direct deposit.

You can either take a picture of the bill with your phone and submit it via the cloud or uploaded it to your email client and send it that way. Turnaround times are faster than most if you select direct deposit.

The company's innovative cloud platform offers a wide range of services including:
o Ability to video chat with a licensed vet 24/7
o All medical records stored in one place and available 24/7
o AI claims experience
o Real-time claims tracker
o Push notification reminders (for appointments, pet medication, birthdays, etc.)

The company is also reachable via text, phone, email, Twitter, and Facebook Messenger.
Advertised Response Time
5 days
Claim Form
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://figopetinsurance.com
Headquarters Address
223 W Erie Street, Chicago, IL, 60654
Mailing Address
223 West Erie St. Ste 6E, Chicago, IL, 60654, Chicago, IL, 60654
Year Founded
2012
What We’re Hearing From Our Readers
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Customer Comments

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Rae A

10/4/2018
I am a veterinarian, as well as a Figo policy holder. As a veterinarian, I see that my clients get reimbursed as they should according to their policy. With some of the other insurance companies, I have to write letters to convince them that the condition is not pre-existing and should be paid. As a policyholder, I find the Figo staff energetic, friendly and highly competent.
84 People found this helpful.
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K
Katue

6/14/2018
Go elsewhere for your pet care. I was using Figo for coverage for my year old toy poodle. I moved from NYC to Minnesota and they are doubling my cost. Doubling my cost for a market where vet costs are considerably less. The worst part is the customer service I received. Today when I inquired why my costs where rising so high the person I was chatting with via messenger was condescending and gave me all the wrong numbers. Telling me my costs were only going up $2. Eventually this person realized they had made a mistake and said, "oh yeah, your costs are going from $32 to $65". They then disconnected with me being tired of dealing with my frustration. This company has had growing pains and... Read More
68 People found this helpful.
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M
mark v

3/2/2018
I have had cats for over 35 years and never purchased pet insurance for many reasons including it didn't exist years ago and I never had any major problems with my cats health but more recently I decided it was a good idea to have insurance for my three babies (cats). I did a great deal of research into what would be the best pet insurance for my cats and considered many many factors including cost, coverage, ease of filing claims, helpfulness when I called the companies, and so on and eventually decided on FIGO even though they were smaller and not as well known in the industry as some of the others. Anyway, I purchased FIGOinsurance in November 2017 assuming based on past experience... Read More
67 People found this helpful.
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J
J. C

5/29/2018
Had this insurance for about a year and my experience with their claims has been great. My 9 yr old cat was diagnosed with anemia and Figo was always timely with processing. After my cat also got diabetes, possibly from the prodnisolone usage for the anemia, Figo was able to cover the acupuncture and holisitic treatments as well. Cat is almost back to normal health
64 People found this helpful.
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Dan H

7/3/2018
I have had the Figo Pet Insurance for about a year now. I have been very happy with the coverage and the service. Claims are being processed in a matter of days now. They have covered everything I would have expected based upon the policy I purchased. I'll admit I'm a little concerned about the renewal cost. I received a message last month making me aware that the NY rates are going to be adjusted upwards at renewal time next month.
51 People found this helpful.
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J
Jake

11/22/2017
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 also told they are growing too fast and are experiencing growing pains. This is not my problem. I have asked several times to speak with a supervisor and there is never one available. I pay my premium on time every month and expect my claims to be processed in a reasonable amount of time. Maybe they should slow down and focus on their existing customers. At this rate they will be out of business from all their unhappy customers. I wish I... Read More
48 People found this helpful.
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Amanda

4/19/2018
Do not get Figo pet insurance! My cat has had two UTIs and they refused to pay anything for either vet visit. They claim that a UTI is a "pre-existing condition" which is ridiculous. That would never be allowed to happen in human health care, to which a representative told me "pet insurance is not like human insurance"... so beware, they will not treat your pets as actual patients, but instead blame them for getting sick more than once a year and refuse to pay.
44 People found this helpful.
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Lauren P

9/14/2018
I have had coverage for my two dogs for a year. The benefits and turnaround time have been great! The problem is that after they get you into their company for the first year, THEY DOUBLE YOUR RATE!! Totally unfair and not a good business practice
42 People found this helpful.
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LORI T

5/25/2018
YOU GUYS ARE THE BEST, SUBMITTED SOME CLAIMS FOR OUR ENGLISH BULLDOG AND YOU IMMEDIATELY PAID THEM NO QUESTIONS ASKED, THATS GREAT SERVICE..
40 People found this helpful.
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L
Lee

8/14/2018
Quick reimbursements, easy to understand policy limitations and rules, customer supports actually response with useful answers, complete transparency and full explanation when claims' are denied. For the past two years we had numerous claims (dental surgeries, bladder infections, eye surgeries, ER visits etc) approved and reimbursed in timely fashions. Emails to customer services are usually answered (with actual, useful answers) within 36-hours. My recent 2 claims, total over $4000, were reimbursed within a week. Figo send us email notices about upcoming premium increase 2 months ahead of time, so we have ample time to plan out what to do next. Their notice also came with suggestions on... Read More
28 People found this helpful.
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