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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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Rose C

2/15/2021
We have been with FIGO for years and have never had an issue with customer service or reimbursements. Great company & peace of mind knowing they have our fur-babies backs. The only thing I wish they might do different is after a pet passes is maybe send a condolence card via email or in the mail. After years of us trusting them with our babies medical needs it would of been nice to of received. But that’s not a deal breaker ..
1 People found this helpful.
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Thomas

12/7/2020
Firstly, I want to say that I wish I had researched any bad reviews years ago before I ever signed up with FIGO. It seems that others are in the same boat as I am! I have been a loyal customer of FIGO for approximately 4-5 years now. I have NEVER needed to use the insurance however, I continually paid my monthly premium on auto-pay (by now, thousands of dollars total). I initially went with them because one always worries about getting coverage for pre-existing conditions whether it be minor or major and they seem to have stated they had a good policy with regards to considering a pre-existing condition something that has happened within the last 18 months. Well, for the first time in a... Read More
1 People found this helpful.
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Laurel I

11/22/2020
I am so happy and so relieved to have Figo. We had a serious emergency with our dog and we were reimbursed 80% of that large fee. For those that see any negative comments, please remember that people, unfortunately, will take time to complain than praise. When you’re upset, you want people to know. I admit, during this hectic time with my dog, I fell for the negative reviews as well and started to panic that Figo wouldn’t reimburse me. But I was wrong. For anyone having issues with your claims, everything will move faster if you get all of your pet’s medical record into their system. They will request it from your vet themselves but it will take longer to go through. This may be... Read More
1 People found this helpful.
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Laura H

11/11/2020
I am but am probably going to drop them. I signed up because they seemed to have the best rates for the best coverage. This was true for about two years. My Princess was diagnosed with a heart condition a few months after I signed up. The claims procedure was quick and easy and I always got my money withing days, not weeks or months like my previous company. However, the reason I am dropping is because they changed underwriters and now my policy premium increased 103% a month, the deductible raised by $350, and the coinsurance went down 10%. I sat on hold for over 20 minutes to be told that they could email me other policies. I have yet to receive that email. Now I get it. My baby is 9... Read More
1 People found this helpful.
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David M

9/22/2020
I was highly skeptical about pet health insurance before FIGO. After two years of good health our dog needed surgery. We were stressed out about the surgery itself, let alone the financial burden it could present. However, the claims process was super easy to navigate with the app, any questions I had were quickly and thoroughly answered, and reimbursement directly to our checking account was much faster than expected. Thank you FIGO for making life a little easier during a stressful time. We would not hesitate to recommend you to anyone who has a “fur baby”!
1 People found this helpful.
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lauren.frye.anderson

9/22/2020
Figo has given me incredible peace of mind with our beloved dogs. I know that Figo has our back with all of the dogs' healthcare needs. After a total CCL tear with one of my dogs, Figo (without question) has paid for not only the surgery, but all of the physical therapy needed to get him back on all four feet! If any of the dogs has any health issue, I feel totally comfortable taking them to the vet since I know Figo will reimburse us. The quick turn around time of the claims, the customer service, and the pricing are all beyond compare! I love that we don't get dinged for using the insurance. I have recommended Figo to many other people, and they all love this company as much as I do!
1 People found this helpful.
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Debby F

9/9/2020
Very quick processing of claims, usually within a day! Good coverage for your money.
1 People found this helpful.
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robert c

9/3/2020
We have three dogs of various ages and breeds. I spent a lot of time reviewing the several pet insurers and we decided that Figo was the best fit for us. In the three years since we've had the policies we submitted three claims. One claim was very complicated and involved several caregivers and hospitals. It did take us time to accumulate all the required documentation, but once all was submitted the claim was settled to our satisfaction and relief within literally a few hours. The other claims were settled in a couple of days. One thing we did as soon as we started the policies was a full vet assessment for each of the dogs to avoid any question of pre existing conditions.
1 People found this helpful.
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LUCILLE

8/27/2020
This is our first year switching from another pet insurance company to FIGO. We had to file a claim and we were extremely impressed with the communication and quick resolution of our claim. So far....we have no complaints and only praise for FIGO and would definitely recommend them to anyone looking for straightforward business practices.
1 People found this helpful.
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dpace7

8/23/2020
The app is incredibly easy to use to submit a claim. All of my claims have been approved for reimbursement so far. This year when renewed our policy, I was able to tailor it to fit into our budget. Highly recommend!
1 People found this helpful.
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