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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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robbieesper

3/19/2020
I have had FIGO insurance for about a year now and have to say this is by far the best pet insurance I have ever had for my guide dog. The FIGO app and claim filing is so easy to use and quick too! Their reimbursement process from the moment you file a claim to the closing of the claim is done in a matter of days rather than weeks or months. The monthly fee is very affordable compared to other companies. I was surprised they offer a discount for certified service dogs and that also won me over. Customer service is exceptional. I’m deaf and legally blind and was able to communicate with them effectively through messaging. I can’t say enough about this company!! So glad I have FIGO to... Read More
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Richard P

3/19/2020
FIGO has come to my rescue twice in the past 2 years. I have two 8 year old dachshunds. Each had taken ill in the last two years with very delicate issues; the both required surgery and treatment that started to rack up the bills. I chose the appropriate level of coverage for my means, and after my deductible, the bills were covered at 100%. I cannot begin to thank FIGO for helping me to not hesitate for one moment when deciding on my furbabies care. They were there for me and I am glad to be with them and shall continue to be! Thank you FIGO!
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Lynn C

3/14/2020
I love Figo! It was so easy to set up and when I had to summit a claim, the money was in my account even before the transaction when through. There is nothing better than having the peace of mind to have the protection if something were to happen to your pet. Anyone I talk to that gets a new pet, I tell them about the wonderful experience that I have with Figo and that they need to sign up.
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Lori G

3/14/2020
Great company. Everyone is so helpful. They will walk you through any claims you may have. Well worth the cost, if only for a piece of mind!
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lkhbordercollies

3/12/2020
The company has been really easy to work with, and very compassionate in some trying circumstances. There has been some growing pains being a new company but they’ve been upfront about it and it sounds like they’re working hard to come to a resolution that is good for the customers as well as the company. Some of the issues they were having in the past were taken care of and are merely a distant memory now. I have a very accident prone dog who typically does something I need to file a claim for monthly. It’s easy to file and I typically have a check within a week of filing, which is pretty amazing. The only reason for the 4.5 stars vs 5 are the rate increases, but that’s something they... Read More
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denjay41

3/3/2020
Simple claim paid toward deductible Was all i asked and was what they did.
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Richard B

3/1/2020
Very happy with Figo. They pay claims promptly and have never had a bad experience. Keep up the good work!
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donotemail319

2/24/2020
Figo has been a lifesaver in compensating for my dog's vet bills. The claim process is easy and quick, and the money is in my checking account within a week. The montly cost is affordable and covers most things that come up out of the ordinary, like blood work and accidents. It makes me feel so much better knowing that my baby is covered when something happens. I definitely recommend Figo!
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maxlilamom

2/22/2020
Top notch! Great customer care. Very easy claim process and they've covered almost everthing, without fail. Highly recommend.
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lstarb47

2/15/2020
I've made 2 claims, and although I have not yet gone past my deductible. It has been smooth and easy. I was nervous from a very poor experience with pet insurance over 10 years ago. It was not FIGO. FiGO has been responsive and easy so far. I am very pleased.
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  • No enrollment or administrative fees
  • Accidents, illnesses & emergency care
  • Most claims are processed within 2 days
  • Flexible premium & deductible options

 

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