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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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Dax L

8/17/2020
Our dog is almost 3 years old and is a high energy goof ball that only knows one speed: fast. We have made 4 claims through FIGO since we got him at 10 months old, and they've always been very quick to respond and reimburse us for covered expenses. The claims process is very easy through their online portal. I have had nothing but positive things to say about FIGO since we signed up. That being said, they are switching underwriters at the moment and my policy is changing. My monthly cost is going up $4/month (including a $2/month installment fee), my annual deductible is going from $200 to $500, and my max annual benefit is being capped at $20k when it was previously unlimited (hopefully... Read More
1 People found this helpful.
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Cindy B

8/15/2020
FIGO stood by us when our special dog had her health problems. They paid our claims immediately and fairly. We have since insured our two new pups with them, of course. Very highly recommend FIGO.
1 People found this helpful.
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Lisa

8/8/2020
Figo has been excellent at handling my claims quickly. Customer service has always been extremely responsive and easy to get a hold of. The only thing I find odd is that with 100% reimbursement, they exclude what they refer to as “administrative” costs which basically means they will not pay the tax on any claim. I’ve never come across that with any of the other insurance companies I had used in the past. Tax gets charged on medications I believe, so I consider it a part of the claim and I still have trouble understanding why it’s excluded. Other than that, they are very straightforward in their handling of claims and they have covered thousands of dollars worth of surgeries for my... Read More
1 People found this helpful.
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catluv2

6/28/2020
At first when my pets were enrolled I had purchased some polices both with FIGO and another #10 top rated company with another pet to see who provided the best service when and if I needed. I was hoping to use in emergency and surprised when it was needed other than that. At the beginning claims were slow (3 years ago) but kept getting emails saying they were improving and to please be patient. They have SIGNIFICANTALLY improved with VERY QUICK responses. I couldn't be happier. Also, When I would volunteer at the animal shelter I would recommend the new adopters look into this. I couldn't be happier. FIGO has been GREAT to say the least. I HIGHLY RECOMMEND them.
1 People found this helpful.
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Derek G

4/18/2020
I lost my last dog Princess due to not being able to afford medical care she needed due to a brain tumor. I was determined not to let that happen again, so I did a LOT of research into pet insurance plans when I got my new dog Bella 2.5 years ago. I compared so many different plans from a ton of companies, and I decided on Figo. I'm just now going into my 3rd year of coverage with them and have been very pleased. It was a little slow on claims processing that first year, because they were a new company, but that problem was quickly resolved. Claims are now processed in a day or two, and reimbursement is in my bank account a few days later. Bella needed knee surgery for luxating patella,... Read More
1 People found this helpful.
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rickaladd

3/4/2020
I am so ashamed of myself for signing up for this pet insurance. I have been paying on my policy for almost a year. I needed to file a claim for my cat as she was throwing up. I took her to the vet hospital they really did not find anything wrong with her. They did give her some medicine as they felt she may be having a problem with defecating. My cat had this problem around 3 years ago but the vet did not find anything that was causing this. She said she may have eaten something that caused this. Of course, when I submitted my claim to FIGO they denied it as they stated that this was a precondition that was not covered. My total vet bill was $932. I agreed to the additional testing as I... Read More
1 People found this helpful.
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Laura G

2/10/2020
I paid for three years and never submitted a claim. Now my premium was raised almost $200 and my deductible doubled! Ridiculous and unfair! I canceled
1 People found this helpful.
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Becky M

1/19/2020
I have been real pleased with FIGO since starting with them almost three years ago. They are really quick on processing claims and me getting my money back. That is important to me.
1 People found this helpful.
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Rosemarykoprowski

1/12/2020
Researched a lot of companies before going with Figo.So glad I chose them.They have great rates And great customer service.Every Claim submitted was paid so quickly with no problem .I would definitely recommend Figo.
1 People found this helpful.
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Caren A

1/4/2020
I have Figo insurance for my Ollie. We had an issue in the very beginning with the 14 day waiting period. My dog was rushed to the ER on the last day of this period and they refused to pay for it. I was very upset as the bill was over $700 and we may have lost him if I had waited a few more hours. I had thought we were actually ok but they didn’t start the waiting period the day I purchased the policy. That really angered me. I even called to beg. I almost cancelled but didn’t want another waiting period. Since then I have filed a few new claims. The filing process is simple, the response time is immediate, and they pay their portion very quickly. I haven’t had any further negative... Read More
1 People found this helpful.
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