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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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Vibeke N

10/22/2018
I loved this company the first year. Competitive pricing and great service. I recommended to several friends and mom group on Facebook. However when I went to renew my policy with NO claims they increased my premium by $300 which was almost double my previous price. Now I have to find a new pet insurance and warn all my friends. Thanks Figo ✌️
17 People found this helpful.
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Andy K

10/26/2018
My claim was closed in 14 minutes! Need I say more! We are so happy we chose to go with Figo for our insurance for our Great Dane and our Mastiff!
16 People found this helpful.
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T
Ted

9/18/2018
I have been a Figo customer for almost 2 years. When it came time to file a claim after being a loyal customer with no late or missed payments, they do not want to pay. Medical records were provide and prove that no pre-existing conditions exist. And still, they wont pay. I can only recommend to not do business with them.
16 People found this helpful.
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J
Jennifer

8/2/2018
I am a current FIGO insured. My dog is 3 years old and we have never made a claim. Figo just sent me my annual renewal and my premium has increased by 50%. I understand rates will always go up but a 50% increase is disgusting. If your looking for insurance I would recommend looking elsewhere.
15 People found this helpful.
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Abbe L

9/19/2018
I wish my own insurance were as easy and as tech friendly as figo is. I have never had pet insurance before and expected a big run around. However, it was as easy as entering a brief sentence of what happened, taking a picture of the receipt (right in the app) and “poof” a check came in the mail. It was like magic! I love this insurance!
13 People found this helpful.
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Phillip W

12/7/2017
Figo saved my pets life and my family a ton of money!!! I saw a few negative responses about claim times so I wanted to chime in. Not sure if the others received the same letter I did, but they have been great at communicating their growing pains and it seems to me like they are on it. Personally my experience has but nothing but fabulous. They paid my claim and whenever I text them they are super responsive. All in all, they are hands down the best pet insurance company out there.
13 People found this helpful.
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S
Sandi B

2/23/2018
I've had many wonderful pets over the years, and I wish I had known about pet insurance earlier. I read reviews, compared different insurers, and created quotes. Most importantly, I studied the coverage details. Ultimately, I am happy and grateful I chose to insure my rescue dog with Figo. When I had to file a claim, I was at first apprehensive, but it turned out to be a painless process. I just took a pic with my phone and submitted it. My claim was processed within two weeks and all the claim info was available in my Pet Cloud. Since that first experience, I have filed several more claims and the process has been relatively consistent. The last claim I filed (about a month ago) took a... Read More
12 People found this helpful.
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dan r

9/26/2017
I am a prospective policyholder and want to advise that the company rep (Alex), who i was able to contact for information about your product, was very professional, courteous and answered all my questions about your plans, prices and financial standing, in a very thorough and helpful way. I had spent a great deal of time in trying to reach the best possible decision regarding pet insurance, and I feel that I now know which company is the best choice to protect my pet. If Alex is any indication or representation of FIGO, in general, then the choice is easy. Thanks for having Alex on your team.
12 People found this helpful.
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Justin Z

7/8/2017
Figo is the really the best pet insurance out there. Our last dog we had a different pet insurance that was complicated, paperwork to fill out, and poor follow up. Figo is exactly the opposite. The plan coverage is beyond everyone else, and customer service dept is excellent. My two dogs are on Figo, and the claims processing was so easy. Thanks Figo
12 People found this helpful.
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M
Michael B

1/28/2019
My 6-year old boxer mix started limping. After a couple vet visits, it was determined that she would need knee surgery and follow-up visits. I filed my claim for the surgery from my phone immediately after settling the bill, and received an email stating the claim had been closed by Figo later that same afternoon. The reimbursement was sent directly to my bank account and made available a few days later. All the claims filed post-surgery have been reviewed and paid promptly. The level of service I received from Figo through this stressful time has been outstanding! Very thankful we chose Figo as the pet insurer for our dog. Thank you, Figo!
11 People found this helpful.
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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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