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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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Todd S

1/10/2019
They more than double our rates with no warning. I called about it and they basically laughed.
10 People found this helpful.
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Mac

12/11/2018
The first month I had Figo, I was ready to leave them. They repetitively insisted that my vet wasn’t sending them the documents they needed for claims, but when I called my vet, they said that they didn’t receive any calls, fax, or email from Figo. I gave my vet the info and they sent the info to Figo right away. Figo claimed they never received anything. However, after harassing their customer service department, they reimbursed me for my claims. I did appreciate that they covered costs from an emergency vet visit, which my dog ended up receiving all healthy results from testing. But, just wait until it’s time for renewal and your premium goes up 50% just like others said. Figo stated... Read More
9 People found this helpful.
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Edward

11/23/2017
Figo is the best pet insurance out there. I would know as this is my 3rd pet and I was with 2 other pet insurance companies with my first two pets. If you look carefully, Figo offers the most generous coverage, and is affordable. Communications has been great. If i had a question, I would email, text, or call. Filed 2 claims, and closed and processed within 10 days. What Figo offers, the other companies cant compete....the generous coverage, a phone app, and an easy claims process. Figo sets the bar!!.. I recommend Figo to all pet owners
9 People found this helpful.
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C. M

1/9/2019
I had Figo and canceled my plan for my pet. I started my plan for my dog shortly after I unexpectedly had to put my other dog down. With one day left in the waiting period, an issue arose. My claim was completely denied by Figo - which was fine. Approximately a month later, another issue has now arisen. Figo is denying that claim saying it was pre-existing. I am tired of going round and round with them
8 People found this helpful.
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J
Jacqueline

12/7/2018
My overall experience with figo has been very good! The price is very reasonable compared to other pet insurance companies out there and their customer service has been great. The claims process is very straight forward and the reimbursement is usually pretty quick! I will say that the my premium did increase after my first year, but it wasn’t too substantial.
8 People found this helpful.
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M
Michael M

11/21/2018
My dog had a major injury a year ago and Figo was incredible. They answered all of my questions and paid the bills in a few days. I wish every company I dealt with were so professional. Figo is very high tech and it is simple to process claims without any hassle.
8 People found this helpful.
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R
Riley

12/5/2018
They r the worst insurance company I spent all this money a month and when I have an emergency now they dont want to cover why I been paying them they r a scam I should have read the reviews before I went with them
7 People found this helpful.
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K
Karen K

9/11/2018
Figo pet insurance is fantastic! My dog, Bradley, was diagnosed with a cancerous tumor just below his left knee in early August. He underwent surgery and then radiation treatment, and is now healing nicely. The total cost from diagnosis to radiation treatment was approximately $12,000. Based on the type of coverage I have, Figo paid every penny, excluding the deductible. Submitting a claim is nearly effortless, and Figo's claim processing is lightning fast. I filed the last claim on a Wednesday and had the reimbursement deposited in my checking account on the following Monday. I will never be without pet insurance again!
7 People found this helpful.
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L
Lillian r

4/23/2018
Hello, want to thank your customer service team for excellent service. I look to redoing business w u in the future. thank you for all your help.
7 People found this helpful.
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Chris

12/13/2018
They seem to drop the ball A LOT. I am still waiting for reimbursement for a vet bill from six months ago. They increased our rates considerably after the first year which felt very much like a bait and switch tactic. Customer service is ok, but they don't follow through very well.
6 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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