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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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Amber B

4/10/2019
My poor Sphynx had adventured out of the house last weekend when I was out of town and when I found out naturally I started freaking out. Figo was the first contact I made. In tears I told Susan what was going on and just cried and cried. She took a deep breath and gave me some great advice and calmed me down. It was almost as if I had just called a 911 operator and they were trying to get me to settle down a bit. Susan was so helpful as well as Shae the following day. I know that they are an insurance company but that day that I called I felt as if they were so much more. They went above and beyond to help me sort through my feelings and think logically. Luckily within a few short hours I... Read More
3 People found this helpful.
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eric m

4/1/2019
I was a little skeptical about Pet Insurance in general, but I have to admit they have been pretty good. Their customer service is pretty good. I have had multiple encounters with them and they have been pretty straight forward. Once you figure out how to upload a claim it is pretty easy.
3 People found this helpful.
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Lori R

2/13/2019
Figo has been absolutely amazing for my family and I. We have an English Bulldog who has had many health issues. They have been great with coverage and prompt payment! I cannot thank them enough!
3 People found this helpful.
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Patricia A

2/12/2019
My dog is so happy and his Mama is glad to have insurance!
3 People found this helpful.
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Jen

1/2/2019
Figo has been awesome! We have 2 policies, with great rates & excellent coverage. The first year, we filed 3 claims, and Figo paid them accurately and promptly!!! If fact, I was shocked how quickly the reimbursement was paid. Much faster than other pet insurance companies and without any hassles. Thanks Figo!
3 People found this helpful.
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Eduard B

7/30/2018
FIGO Pet Insurance is not just about providing your beloved pets with great healthcare but it is the company that believes in providing you with the lifestyle that you will enjoy with your pets whether you travel often, run along the shorelines of the lakes or spending time at the beaches or parks. It is the company of technological innovation, tech evangelist, that will provide you with experience of knowing at all times where your pet is without missing a moment of your pet's life! Having had an opportunity knowing the people behind services and technological innovations that service pet insurance industry is very inspiring and humble experience. You truly begin to get a better sense of... Read More
3 People found this helpful.
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Larry D

9/21/2019
When I joined Figo a few years back, I was one of those customers who experienced the “growing pains” I’m reading about here. To say the least, I was discouraged and even began shopping for another carrier for pet insurance. Let me just say that I am elated that I procrastinated. What a difference a year made! I have a dog who unfortunately has multiple on-going allergy, skin and other issues. I love this guy to death and feel so much guilt that we find ourselves at the Vet’s office all too frequently. I’d like to reference my Vet appointment from earlier this week and tell you how stellar Figo has become with its claim processing. I left the Vet’s office at about 5pm after... Read More
2 People found this helpful.
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Cate S

9/21/2019
Wow, shocked how quickly the claims process works! I’ve had other pet insurance plans where it’d take a month to be reimbursed- I filed a claim on Sunday and had money in my account by Thursday. Thank you, it’s such a relief when your pet is sick not to worry about money!
2 People found this helpful.
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lmwinegard

9/18/2019
We have had a great experience with Figo! No issues with coverage, and the customer support is outstanding!
2 People found this helpful.
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Thomas F

8/19/2019
I highly recommend FIGO Pet Insurance. My Great Dane was breathing heavy, looked lethargic and he was hot to the touch. We took him to a nearby animal hospital and had a 108 degree temperature, they took a blood test and discovered he had a very low white blood count which meant he had a bad infection. They kept him in intensive care and 4 days later , he passed with an aspirated pneumonia and septic. The hospital tried everything they could to save my dog. The hospital kept giving me bills and I kept paying them. The final bill was $8,711. A month later I submitted my bill on a Wednesday night at 9:00pm and I got an answer on Thursday morning at 10:00am stating they are going to... Read More
2 People found this helpful.
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