Figo Pet Insurance Review: Plans & Prices 2024
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Figo Pet Insurance Review November 2024

Figo Pet Insurance review
Key Takeaways
  • Figo offers a comprehensive pet insurance plan that covers a wide variety of illnesses and injuries.
  • You can add optional coverages to your base plan for an additional charge. These add-ons include coverage for wellness care and vet exam fees.
  • Unlike some other providers, Figo covers some curable pre-existing conditions.
  • This provider also offers a 100% reimbursement coverage option.
  • To see how Figo compares to other pet insurance companies, use our online comparison tool and get multiple quotes at once.
SUMMARY

Pet insurance lets you rest easy knowing that your insurer will pick up a significant percentage of the treatment costs if your pet gets hurt or develops an illness.

To help you make an informed decision and find the best pet insurance for your furry friend, we’ve created this in-depth Figo pet insurance review.

We like Figo because it has an option for 100% reimbursement rate, meaning they’ll pay you back for all expenses related to covered claims. Many competitors only give options up to 90%.

In this Figo pet insurance review, we’ll cover:

  • Pros and cons
  • What Figo insurance covers
  • Tips for reducing your monthly premium
  • How Figo compares to the competition
Best for 100% Reimbursement Option
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via Petinsurer.com's secure website
4.6
Maximum annual coverage 
$5,000 - Unlimited
Reimbursement choices 
70%, 80%, 90%, 100%
Deductible choices 
$100, $200, $500, $750, $1,000, $1,500

Figo pet insurance: Is it worth it?

Our favorite thing about Figo is the option to be reimbursed for 100% of your covered expenses. Most competitors only offer reimbursement percentages up to 90%, making Figo your best option if you’re looking to get the most back from your insurer. However, choosing the 100% reimbursement rate will cause your monthly premium to be higher than other options.

Here are some of the top pros and cons of Figo pet insurance:

Pros
  • 24/7 vet chat available with all plans
  • Offers a 100% reimbursement option
  • Curable pre-existing conditions may be covered
  • Broad coverage
Cons
  • Exam fees are not included in standard plans
  • Doesn’t pay the vet directly
  • No accident-only plan
  • Charges administration and transaction fees
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Figo pet insurance plans & coverage

Figo offers a comprehensive accident and illness pet insurance plan with optional add-ons.

Figo accident and illness plan

The accident and illness plan covers a variety of problems. We’ve listed what it covers below.

Figo accident and illness coverage

  • Accidents like broken bones, animal bites, swallowing objects or car accidents
  • Illnesses like vomiting, diarrhea, loss of appetite or infections
  • Chronic conditions like allergies, arthritis, diabetes or obesity
  • Hereditary and congenital conditions like hip dysplasia or kidney disease
  • Cancer treatment
  • Dental disease
  • Orthopedic conditions
  • Emergency care and emergency pet ambulance transportation
  • Specialist care
  • Surgery and hospitalization
  • Bloodwork and laboratory testing
  • Diagnostic imaging like X-rays, ultrasounds, CT scans and MRIs

Figo add-ons

Figo also offers optional “Powerups.” These are benefits that can be added to your base plan for an additional cost.

Figo offers two Powerup add-ons:

The Wellness Powerup provides coverage for routine care, such as wellness exams and dental care. You can see what it covers, as well as the limits, below.

  • Optional add-on

Figo Wellness Powerup coverage (and limits)

  • Wellness exams ($40)
  • Vaccines, including flea, tick & heartworm treatment ($50)
  • Spay/neuter or dental cleaning ($75)
  • Testing including FeLV, blood panel, heartworm, fecal and urinalysis ($45)
  • Microchip or health certificate ($30)
  • Deworming ($10)

As the name suggests, the Vet Exam Fees Powerup covers vet exam fees for accidents and illnesses. It does not cover preventative care or wellness exams. We’ve listed what this coverage includes below.

  • Optional add-on

Vet Exam Fees Powerup coverage

  • Accident visit exam fees
  • Illness visit exam fees
  • Telehealth consultation fees
  • Prescription food to treat an illness ($250 limit)

Figo pet insurance exclusions

As with other pet insurance providers, there are some conditions that are excluded from Figo Pet Insurance coverage.

What’s not covered

  • Pre-existing conditions
  • Experimental procedures
  • Cloned pets or cloning procedures
  • Cosmetic surgery
  • Breeding or pregnancy-related expenses

We break down the coverage exclusions in more detail:

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How much does Figo Pet Insurance cost?

We requested multiple quotes from Figo to give you an idea of how much their pet insurance policies cost.

For each quote, we used the following information:

The table below shows our quotes for cat insurance for three popular cat breeds.

Cat breed Monthly cost for a one-year-old cat Monthly cost for a five-year-old cat
American Shorthair $39 $46
Ragdoll $41 $48
Maine Coon $41 $48

This table shows dog insurance quotes for three popular dog breeds.

Dog breed Monthly cost for a one-year-old dog Monthly cost for a five-year-old dog
French Bulldog $103 $139
Golden Retriever $66 $89
Labrador Retriever $75 $101

As you can see from these tables above, dog insurance tends to cost more than cat insurance. This is because dogs usually have more medical problems than cats.

Other factors that impact the cost of pet insurance include:

Does Figo offer any discounts?

This company offers two discounts to help you keep your costs in check.

1

5% multi-pet discount

This takes 5% off your bill when you enroll at least two pets.

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2

5% military discount

This discount is available in every state except Florida, New York, Tennessee and Washington.

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Figo pet insurance coverage options

When you sign up, you get to choose a reimbursement rate, a coverage limit and a deductible.

Reimbursement rate

This is the percentage of each vet bill that you’ll get back from the insurance company. For example, if you have a $1,000 vet bill and an 80% reimbursement rate, Figo pet insurance will send you $800. This assumes that you’ve already paid your deductible.

Figo offers the following reimbursement rate options:

Note that the 100% reimbursement level is only available if you choose a deductible of $500 or more.

Annual limit

A policy’s annual limit is the maximum amount of reimbursement paid out over one calendar year.

Figo’s annual limit options are:

Although this company offers a plan with unlimited coverage, you can lower your monthly premium by choosing a lower limit.

Deductible

Your deductible is how much you’ll have to pay for services before your pet insurance company starts to pay.

Figo has six deductible options:

The lower your deductible, the more you can expect to pay for your monthly premium.

Figo waiting periods and age restrictions

It’s important to consider Figo’s waiting periods and age restrictions before enrolling your pet.

Waiting periods: Your waiting period is the number of days you have to wait after you enroll before your coverage starts. For accident coverage, the waiting period is just one day. For illness coverage, it’s 14 days. There’s also a 6-month waiting period for canine orthopedic conditions, but this can be waived under some circumstances.

Age limits: Figo pet insurance has no upper age limit, but you must wait until your pet is at least 8 weeks old to enroll.

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Figo pet insurance reviews

Trustpilot has nearly 1,500 Figo pet insurance reviews, and 77% of those reviews have 4-star or 5-star ratings.

One happy customer writes, “Figo is great! Their monthly premiums are reasonable and they don’t raise your rate just because you used the insurance. They have many options so you can choose the level of coverage that you feel is right for your pets.”

Several customers expressed frustration over denied claims. For example, one person commented that the company wouldn’t cover the cost of treating his dog’s ear infection. A representative from Figo Pet Insurance responded and offered to review the claim a second time, but the customer didn’t provide any further updates.

How does Figo pet insurance compare to other providers?

Use this tool to compare Figo pet insurance to competitors like Metlife Pet Insurance, Fetch Pet Insurance, CarePlus by Chewy, and many more. Select a competitor to see how Figo stacks up.
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Figo Pet Insurance MetLife Pet Insurance
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Compare Coverage
Accident & Illness Plan
Available
Available
Accident-Only Plan
Not Available
Not Available
Surgery
Covered
Covered
Hereditary and Congenital Conditions
Covered
Covered
Chronic Conditions
Covered
Covered
Dental Disease
Covered
Covered
Allergies
Covered
Covered
Cancer Treatment
Covered
Covered
Physical Therapy
Add On
Covered
Alternative Therapies
Covered
Covered
Behavioral issues
Covered
Add On
Breed Specific Issues
Covered
Covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Covered
Covered
24/7 Vet Chat
Covered
Covered
Specialist Visits
Covered
Covered
Exam Fees
Add On
Add On
Blood Tests
Covered
Covered
Laboratory Testing
Covered
Covered
X-Rays & CT Scans
Covered
Covered
Wellness Coverage
Add On
Add On
Prescription Medication
Covered
Covered
Prescription Food
Not covered
Covered
Microchipping
Not covered
Not covered
Boarding
Not covered
Not covered
Euthanasia
Covered
Covered
Max Enrollment Age
No Max
No Max
Accident Waiting Period
1 day
Midnight on Same Day
Illness Waiting Period
14 days
14 days
Orthopedic Waiting Period
6 months
14 days

For more info on choosing the right provider for your needs, read our guide to finding the best pet insurance policy.

About Figo Pet Insurance

Headquartered in Chicago, Figo aims to take the hassle out of buying the best pet insurance.

The company has six core values: simplicity, transparency, passion, inclusivity, flexibility and community. What makes Figo different from other pet insurance providers is that every one of its customer experience agents has a property and casualty insurance license. As a result, agents are qualified to give you advice on which pet insurance policy is best for your circumstances.

Figo also partners with Costco, giving Costco members access to discounted and affordable pet insurance. Over the years, Figo has paid out more than $80 million in claims.

Figo Pet Insurance FAQs

Is Figo Pet Insurance good?

Based on reviews from recent customers, Figo Pet Insurance provides comprehensive coverage for a wide range of injuries and illnesses. However, there are some complaints about difficulty using the mobile app and getting reimbursed for certain vet expenses.

How do I file a claim with Figo?

To file a claim, follow these steps:

  1. Download Pet Cloud, Figo’s mobile app.
  2. Click “Claims.”
  3. Answer the questions displayed on your screen.
  4. Upload a copy of the paid invoice from your veterinarian.
  5. Submit the claim.

If you have trouble using Pet Cloud, or you have a question, call (888) 223-0596. Figo says it aims to process all claims within 7 to 10 business days, but it may take up to 30 days, especially if you don’t submit the required information when you file.

How to cancel Figo Pet Insurance?

To cancel your pet insurance, call (844)738-3446 or send an email to [email protected].

Does Figo offer exotic pet insurance?

No. This company doesn’t cover birds, reptiles or exotic pets. You can only purchase insurance coverage for a cat or dog.

About the Author

Alana Luna (Musselman)
Alana Luna (Musselman) Writer & Content Strategist

Alana Luna (Musselman) is a versatile storyteller with over a decade of writing experience. She is passionate about helping people build their business through unique and engaging content.

Some examples of her current freelance projects include building content strategies for small businesses, completing industry research to build case studies, crafting buyer guides and more.

She has a passion and keen ability to simplify complex ideas through storytelling to make it easier for readers to understand hard-to-digest information. To accomplish this, Alana’s writing holds strong three principles – content that educates, engages and entertains.

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