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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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seyda1024

5/26/2020
BEWARE AND STAY AWAY, this company is a total scam.....They just take your money and deny every claim even if you see it covered in your policy. This is what they are told to do. I don't believe they even review any claims. They also lie to you to delay at first, then wrongfully deny. I never received not 1 cent back from them and when I asked them to cancel my account and refund me all the money I spent for unrendered services they lied again and said they refunded an account number that does not even exist just so I think that they refunded me which was another scam.
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Ron O

5/21/2020
Figo has been great. Very quick to respond and pay claims very fast. Easy to submit claims through app.
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Cate

5/21/2020
I really loved Figo. I recommended it to everyone. We had an unlimited plan for our Corgi since he was a puppy. He had a 2 minor trips to the Vet for an upset stomach and one minor scuffle with another dog that only required a cleaning, but Figo paid claims promptly. I was shocked to see my deductible go from $200 to $1000 and unlimited coverage to $20k for $5 more a month for this year because of a new underwriter. I understand a 50% increase or even a 100%, but you doubled my deductible FIVE FOLD. We are no longer recommending you.
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danicc

5/18/2020
I'm so happy I chose Figo as my pet insurance provider. Not only is the app incredibly easy to use (as is the website), the customer service is top notch. Claims are processed quickly too!
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Dee F

5/14/2020
Extremely helpful with any and all questions/issues/concerns. Payment is done very quickly once a claim is submitted.
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robertdurkin7

5/9/2020
I had seen my co-workers continue to have pet's who would eat weird toxic stuff (raisins, chairs, grapes, rat poison, etc.) and they would consistently have to rush to the Emergency Vet to pay huge exorbitantly expensive fees. When my wife brought home our first little puppy I thought back and decided I to research pet insurance. There were many companies to choose from but I read about how great and easy FIGO Pet Insurance was. I decided to give them a try, and choose a plan at about $20/month (less then $1 day). I set it up on Autopay and forgot about it. About 6 months in I decided to set my dog up with the FIGO app and I have to say I was super impressed with the app. It was... Read More
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Cindy D

5/9/2020
Customer service was nice and very helpful. Could not ask for faster service! Thank you.
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alwayzme12

5/5/2020
I am so blessed to be a part of the Figo family. After almost a year of joining this company, my kitten had to be hospitalized from a temperature of 106 degrees related to an injury. I had no idea how the reimbursement process was going to work. It was the most painless, seamless process ever. I submitted documentation to the cloud and was reimbursed in less than a week. I recommend this company hands down and am in process of adding another kitten. You guys are the absolute Oprah Winfrey of pet insurance. Many thanks and look forward to years together!
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catherinejamesg

5/3/2020
We just had our first claim that was out of the deductible and it was a big surgery for one of my dogs that ate a toy. The process through Figo was so easy and they processed it on their end by talking to my vet. Money was in my account so week later. Loved the process and customer service. Thanks Figo!
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Rachel L

4/25/2020
After figuring out the system ( like submitting my own paperwork timely and not waiting for the vet to do it) and meeting my deductible, payments are almost immediate. The customer service is excellent, the claims easy to file and the rate is extremely reasonable!
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Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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