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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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laura587

10/30/2019
I love Figo pet insurance. The app makes it super easy to file a claim. I have the vet office email me the medical notes and my receipt, upload everything To the Figo app and use Figo’s virtual Assistant and the claim is filed in under 5 minutes. I received my claim approval in less than 24 hours and direct deposit reimbursement to my checking acct within 4 business days. 100% happy with Figo & would definitely recommend.
1 People found this helpful.
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Donna A

10/29/2019
Figo neglects to mention to customers that you must take your pet for an annual exam or they won't pay claims!
1 People found this helpful.
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Rebecca Y

10/27/2019
Easy to work with; filing for a claim is easy through the app and you are usually reimbursed in a week or less.
1 People found this helpful.
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Chandru K

10/21/2019
Easy to file a claim , quick processing time, hassle free. Highly recommended.
1 People found this helpful.
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Lisa W

10/14/2019
Very quick, easy claim process. I’ve had Figo for three years now, and have never had a problem.
1 People found this helpful.
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Erik S

10/14/2019
Sadly, they are getting increasingly more expensive every year, but the service is truly amazing!
1 People found this helpful.
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David O

10/12/2019
Could not be easier to use. You can have your claim finished before you even leave the Vet’s office. Its a no-brainer. I am actually submitting another claim today! If you own a pet and don’t do Figo.. you are throwing your money away!!
1 People found this helpful.
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Rosemary W

10/2/2019
This company has put my family at ease. More than once, we have had a situation with our animals that cause financial hardship. We have never had Pet insurance until we joined Figo. Best Move we have ever made!!!!
1 People found this helpful.
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debra.chesley

9/19/2019
I’ve had Figo pet insurance on my dog for the past two years. The first year I didn’t need to use it. However, the second year my dog had a urinary tract infection and a large bladder stone that required surgery. She then had to be treated for an eye infection. I was so glad I had the insurance. Filing claims using the Figo app was so easy. I received payment on the claims quickly. This last claim I filed on Monday and the payment was in my checking account on Wednesday. I have been very pleased with Figo!
1 People found this helpful.
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R
Regina

8/28/2019
I let the insurance lapse because its policy is misleading. We had a horrible experience with claims and trying to cover our puppy’s condition because of a play on words. Our puppy was injured during rough housing with our older dog and fell within coverage dates of accident coverage but because the vet noted “versus” hip dysplasia in her notes when I was the one who asked about this condition and if I should be concerned, We were denied. My vet even wrote a letter stating such and A specialist also supported this was not a clinical expression of the disorder but a result of an accident. Though The policy states accidents are covered after 5 days and illness after 14 days, this company... Read More
1 People found this helpful.
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