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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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Carolyn S

8/4/2019
When we got our dog, Brandy, I researched many pet insurance companies. I was impressed with Figo, based on coverage offered, and representative answers to all of my questions. A little over a year after purchasing coverage, our dog was in need of emergency back surgery! Thank the Lord we were covered!!!!! Submitting the claims were easy. I contacted Figo by phone, and received clear, concise answers to my questions by both Vanessa and Beth. Vanessa assisted us by expediting the claim in order for us to receive "peace of mind". I would highly recommend not only carrying pet insurance, but to obtain it through Figo!
2 People found this helpful.
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C
CHT

7/28/2019
I’m really pleased with FIGO for our 2 year old golden doodle. This is our second year of coverage. The premiums are reasonable and you can adjust your coverage in to find a premium that works with your budget. To say their responsiveness to claims and payment would be an understatement. Super fast and responsive. Their online interface and app is also great. I highly recommend FIGO.
2 People found this helpful.
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Clare E

7/20/2019
Getting ahold of Figo and getting answers is so easy and simple! To submit a claim within a matter of a few clicks on the app! I love the fact that everything is at the tip of my fingertips! I have told everyone about them that has pets! Worth the money to invest in your animals and it’s great to have such a great company to deal with as well!!!
2 People found this helpful.
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Lindsey

7/18/2019
The customer service is excellent. When you send an email, the response is prompt and thorough. The interface of the App and the website are both user-friendly and it's easy to review claims. Figo has also made it possible to recoup some of the money my adventurous, overly-curious, and melodramatic pup has cost in emergencies this year. I would spend it happily to know that she's safe and well, but it does help to have some of it back in your pocket.
2 People found this helpful.
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Lori W

7/15/2019
Amazingly fast payments on claim, within 48 hours. Would recommend Figo to everyone.
2 People found this helpful.
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Gusmcdolphin

7/8/2019
I went through most all of the pet insurances offered at the time I subscribed to FIGO. FIGO beat ALL others hands down. Across the board FIGO outshined the offerings of the other companies. If that's not good enough to sway you, the customer service is top notch. Having to work strictly from a smart phone and it being very good at knowing all the "ins and outs", whenever I reachout to them for support they respond immediately and are very generous with their time. The people I actually talk to, when needed speak clearly. I can understand them. They take all the time with me I need to make sure things are clear. I am super happy with this insurance company. They process class... Read More
2 People found this helpful.
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Carla M

7/3/2019
I was amazed at the level of customer service that I received from Figo. This company truly stands behind its product and services and supports its customers. My claims were handled quickly and professionally and I even got a personal call back from the customer service representative I spoke to. The personal and professional service I have received have made me a Figo customer for life.
2 People found this helpful.
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Dayna O

6/25/2019
The Figo team is professional, prompt to respond and were kind enough to help me submit our first claim. I’m so pleased with Figo and highly recommend them.
2 People found this helpful.
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Kerry J

6/15/2019
Excellent customer service! Quick turnaround time on claims! Definitely would recommend this company.
2 People found this helpful.
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Rayssa S

1/30/2019
I’m happy to say I’m pleased with their service, I still wish they would have an option for less of a deductible or even none. I have figo for my 3 dogs and cat. The claims are taking less now but they used to take longer so I’m happy they have arranged that. I’m holding their premiums won’t go much higher but overall great experience.
2 People found this helpful.
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