Figo Pet Insurance Review

Figo is a flexible pet insurance provider for the sociable pet owners of this world. Using the Figo Pet Cloud app, pet parents can connect with each other, organize pup play dates, and find pet-friendly restaurants and activities near them. The app can also be used to quickly submit claims, get support from a vet 24/7, and keep digital records in one place. There’s a range of customizable plans and additional extras to choose from plus most claims are processed and closed within three working days. Figo offers a 100% reimbursement option, which is rare, and one-day waiting period for accidents. 

Table of contents

Our Figo rating

Overall score

4.3
star star star star star

Speed of claims

5.0
star star star star star

Customer service

4.0
star star star star star

Claims procedure

4.0
star star star star star

Easy to understand

4.0
star star star star star

Value for money

3.0
star star star star star

Pros & Cons of Figo pet insurance

  • 24/7 pet telehealth line
  • One-day waiting period for accident cover
  • 100% reimbursement option
  • Figo Pet Cloud provides social options like pet parent meet-ups
  • Deductible choices limited for older pets
  • Six-month waiting period for knee injury cover
  • Vet exam fee cover an add-on

How does Figo pet insurance work?

Figo offers a range of customizable insurance plans which cover everything from accident and illness to hospitalization and prescriptions. The coverage is comprehensive yet can be increased with optional add-ons. Annual limits, reimbursement percentages and deductible amounts can all be adapted to suit your budget. The age, sex, breed, and location of your pet will affect your monthly premium too. Older pets will not be eligible for the lower deductible amounts, for example. Claims can be submitted electronically or by fax or phone.

The benefits of Figo pet insurance

It’s not often you find an insurance company that offers a 100% reimbursement option. The waiting period is also only one day for accident coverage which is very fast. Our reviewers have rated Figo highly for its digital presence, offering a seamless website and innovative app which connect pet parents across the country. The 24/7 helpline is a big plus, as is the flexibility and level of customization available for insurance plans.

Figo plans explained

There are three coverage plans which are fully customizable: essential ($5,000 annual limit), preferred ($10,000 annual limit), or ultimate (unlimited annual limit). You can then select your deductible and reimbursement percentage which will determine your monthly payment amount. Lastly, choose to add an optional powerup plan which can include routine care, vet exam fees, the cost of lost pet advertising or cremation/burial fees.

What does Figo pet insurance cover?

Coverage includes accidents and illness, surgeries and hospitalization, prosthetics, prescriptions, hip dysplasia, chronic conditions plus hereditary and congenital issues, and much more. Dental illness and treatment are also covered with Figo.

Figo coverage vs. other insurers

How does Figo stack up against America’s other providers? Have a look at our handy table!
Scroll to compare
FigoLemonadeManyPetsEmbraceHealthyPetsASPCASpotTrupanionFetchPumpkinWagmoNationwide
Annual coverage options$5,000, $10,000, Unlimited $5000, $10,000, 
$20,000+$10,000, 
$30,000+$5,000, $8,000, $10,000, $15,000, $30,000Unlimited$5,000, Unlimited $3,000, $4,000, $5,000, $7,000, $10,000$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited Unlimited $5,000, $10,000, Unlmited $10,000, $20,000, Unlimited $20,000$10,000, Unlimited
Deductible options$100, $250, $500, $750$100, $200, $500$100, $200, $500$200, $300, $500, $750, $1,000$100, $250, $500, $750, $1,000$50, $100, $200, $250, $500, $1,000$100, $250, $500$100, $250, $500, $750, $1,000$0 - $1,000$300, $500, $700$100, $250, $500$250, $500, $1,000$250
Reimbursement options70%, 80%, 90%, 100%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%50%, 60%, 70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%50%, 90%70%, 80%, 90%90%90%, 100%50%, 70%, 90%
When does coverage start?2 weeks Immediate2 weeks2 weeks 15 days14 days 15 days14 days 5 days15 days14 days 15 days14 days
Maximum age at sign upNo Maximum14 years12 years1414No MaximumNo MaximumNo Maximum 14No maximum No Maximum 14 years10 years
Are vet exam fees included at no extra cost?
Are dental accidents covered?
Are dental illnesses covered?
Is there a wellness plan offered?
Is there a virtual vet/telehealth service?
End of life coverage
Is there a multi-pet discount offered?
Is there a charge for paying monthly?
Is there an app to make claims?

*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement

Is Figo pet insurance good value for money?

Customers can customize every element of their plan and choose from three options which are designed to suit every budget. By choosing the 90% or 100% reimbursement option and maxing out claim limits to be unlimited, pet owners can get a lot for their money. Even without adding the wellness plans coverage is extensive but it’s worth noting that deductible choices depend on the age of your pet.

4-month-old
 Mixed Breed Medium 2-year-old 
Golden Retriever 6-year-old Domestic Shorthair Cat
Los Angeles New York Florida
Figo $34.67/month $52.14/month $26.32/month
Fetch $48.02/month $35.78/month $24.81/month
ASPCA Pet Health Insurance $47.61/month $56.79/month $29.52/month
Pumpkin $65.54/month $87.30/month $30.39/month

How good is Figo’s customer service?

The Live Vet feature on the Figo Pet Cloud app is highly rated by our reviewers, providing emergency support and reassurance for pet parents in their time of need. This is included in all policies. Customers also love the minimal waiting period for accident coverage and speedy payouts.

How do I contact Figo?

There are lots of ways to contact Figo. Text them (844-262-8133), phone them (844-738-3446), fax them (773-966-0769) or send them an email to support@figopetinsurance.com. You can also send Figo a direct message on Facebook, Twitter, or Instagram.

What is Figo’s claims process?

Figo’s electronic claim process is simple – just log in to your Figo Pet Cloud account on the app or website and select the ‘claims’ icon. Answer the questions and upload a photo or scan of your paid invoice. Then submit your claim and ask your vet to send your pet’s medical records to Figo. Keep track of your claim using your Figo Pet Cloud account. You can also download a claims form and send to claims@FigoPetinsurance.com or fax it to (773-966-0769). For a speedier claims process, send an email to records@ifigo.com with a confirmed list of all vets, emergency, and specialty hospitals that your pet has seen since adoption or within two years prior to taking out Figo pet insurance.

How much will Figo pay for my claim?

Figo will reimburse you in line with the reimbursement percentage and deductible amount you selected upon opening your policy. The reimbursement amount is anywhere between 70% and 100%.
Average
Vet Bill
Cash back w/ 70% Cash back w/ 80% Cash back w/ 90% Cash back w/ 100% Difference between 70% & 100%
Cancer
$8,137
$5,695.90 $6,509.60 $7,323.30 $8,137.00 $2,441.10
Swallowed Object
$3,262
$2,283.40 $2,609.60 $2,935.80 $3,262.00 $978.60
Chocolate Poisoning $2,547 $1,782.90 $2,037.60 $2,292.30 $2,547.00 $764.10
Dental Disease $2,021 $1,414.70 $1,616.80 $1,818.90 $2,021.00 $606.30

Are there any exclusions?

Pre-existing conditions, experimental procedures, cosmetic surgery, supplements, most parasites, cloned pets, and breeding pregnancies are not covered with Figo plans. However, curable pre-existing conditions may be covered. Wellness plans and exam fees are optional extras.

What are the waiting periods for conditions?

Waiting periods vary by state but in some cases the waiting period is just one day. Contact customer experience to check which might apply to you.

How quickly does Figo pay claims?

Depending on the level of information you submitted with your claim and which method you selected for reimbursement, most claims are processed within 30 days of receipt. However, deposits should arrive in your account in 3-5 business days and checks typically arrive in the mail in 7-10 days.

Can I customize my Figo plan?

Figo has a range of reimbursement levels, deductible amounts, and annual limits for you to customize your coverage. There are three main plans for varying budgets and you can also add an extra wellness plan.

State availability for Figo

Figo insurance is available in all states of the US although coverage and Ts & Cs may change state by state. For example, the Wellness Powerup is not available in all states.

Verdict: Is Figo pet insurance good?

If you want ultimate flexibility and customization, Figo might be a good choice for you. The plans are comprehensive and there’s a range of add-ons which you can bolt onto your policy at any stage. Reviewers particularly love the Extra Care Pack which covers more unusual fees such as vacation cancellation due to pet emergency, lost pet adverts and rewards, and pet theft. The Figo Pet Cloud app is unique in its venture to connect pet parents and provide a sociable aspect to pet insurance. However, note that deductible choices decrease as your pet ages and knee injury coverage has a six-month waiting period.

Our Figo rating

Overall score

4.3
star star star star star

Speed of claims

5.0
star star star star star

Customer service

4.0
star star star star star

Claims procedure

4.0
star star star star star

Easy to understand

4.0
star star star star star

Value for money

3.0
star star star star star