About
Since 2013, Figo Pet Insurance has paid over $79.9 million in vet bills for its policyholders. Customers appreciate the clear explanation of coverage details and the ability to configure their policy.
Coverage Offered by Figo
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Price: |
Get a Free Quote |
Overall Rating: |
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Total Reviews: |
10,890 |
Deductible: |
$100, $250, $500, or $750 |
Reimbursement: |
70%, 80%, 90%, or 100%** |
Annual Limit: |
$5,000, $10,000, or Unlimited |
Accident Waiting Period: |
1 day* |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
0 days |
Orthopedic Waiting Period: |
6 months |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
Additional Cost |
Direct Vet Pay: |
No |
Claims Expiration: |
Within 180 days of treatment |
Claims Submission App: |
Yes |
Figo Accident and Illness Coverage
Figo offers three different plans with varying levels of coverage: Popular, Higher Coverage, and Value Plus. With Figo, you also have the option to configure your annual coverage, reimbursement percentage, and deductible to create a custom plan that fits your needs and budget.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, 90%, 100%*
Annual Limit Options
$5,000, $10,000, or Unlimited Annual Limit
What's Covered
Here's what is covered in each plan Figo offers.
Popular
This plan covers 80% of approved medical costs of up to $10,000 a year after you meet a $250 deductible.
Accidents
Cancer Coverage
Chronic Conditions
Dental Care (Non-Routine)
Diagnostic Tests and Imaging
Emergency Care
Euthanasia
Hereditary Conditions
Holistic and Alternative Treatments
Illnesses
Orthopedic Conditions
Prescription Medications
Rehabilitation and Mobility Devices
Surgery
Higher Coverage
Everything listed in the Popular plan is covered. The difference is that the Higher Coverage plan covers 90% of approved medical costs with no annual coverage limit after you meet a $500 deductible.
Value Plus
Everything listed in the Popular plan is covered. The difference is that the Value Plus plan covers 70% of approved medical costs of up to $10,000 a year after you meet a $500 deductible.
Custom
Everything listed in the Popular is covered. The difference is that with a custom plan, you can configure your annual coverage limit, reimbursement, and deductible to fit your budget.
Optional Add-Ons
Figo does not cover vet exam fees for accidents and illnesses, including telehealth consultations unless you add it to a main insurance plan. Additionally, routine care is not covered in the main insurance plans but can be added on.
Vet Exam Fees
This add-on enables reimbursement for exam and consultation fees related to accidents and illnesses.
Wellness Coverage
This add-on covers you up to the annual limit that Figo will reimburse you per year on each eligible expense.
Wellness Exams - $40 annual limit
Vaccines -$50 annual limit
Flea, Tick, and Heartworm
Heartworm Preventative
Rabies
DHLP (Distemper, Hepatitis, Leptospirosis, Parainfluenza)
Parvovirus/Corona
Bordetella
Lyme
Canine Influenza
FVRCP (Feline Viral Rhinotracheitis, Calicivirus, Panleukopenia)
Leukemia
FIP (Feline Infectious Peritonitis)
Other Vaccines as approved for general use by AVMA (American Veterinary Medical Association), or equivalent industry regulating entity
Spay/Neuter or Teeth Cleaning - $75 annual limit
Tests - $45 annual limit
Blood Panel
Heartworm Test
Fecal Test
Urinalysis Test
FeLV Test (Feline Leukemia Virus)
Microchip / Health Certificate - $30 annual limit
Deworming - $10 annual limit
* 100% reimbursement is available with deductibles of $500 and $750 but is not available with an unlimited annual limit.
Policy Exclusions
Figo Pet Insurance will not pay for costs associated with or resulting from the following:
Aesthetic or Non-Medical Procedures
Cosmetic Surgery
Grooming
Experimental and Risky Procedures
Cloned Pets or Cloning Procedures
Anything not administered by a Veterinarian
Training and Behavioral Classes/Devices
Unforeseeable and Catastrophic Events
Chemical, Biological or Nuclear Events
War, Invasion, Revolt, or Quarantine
Failure to Follow Veterinary Advice
Failure to Adhere to Veterinarian’s Preventative & Treatment Advice
Reproductive and Maternity Exclusions
Breeding, Pregnancy, or Giving Birth
Pets less than 6 weeks old
Spaying or Neutering (though not covered, it is recommended)
Eating Disorders and Ingestion Exclusions
Eating Poop or Other Eating Disorders
Harmful Activities, Behavioral, or Mistreatment Exclusions
Inhumane Treatments
Neglect or Abuse
Racing, Coursing, or Organized Fighting
Routine and Preventative Care Exclusions
Routine or Preventative Care
Elective Surgeries
Requirements of Policy Holders
Figo will insure any cat or dog that is at least 8 weeks old and with no upper age limits
There is a 6-month waiting period for both hip dysplasia and orthopedic conditions
The 6-month waiting period for hip dysplasia and orthopedic conditions can be waived if the exam/waiver form is completed by a veterinarian within the first 30 days of the policy period, and no pre-existing issues are present
Claims
Figo Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with Figo Pet Cloud
Most claims are processed within 3 business days
Customer Support
Hours
Monday - Friday: 7 am - 7 pm CT
Saturday: 8 am - 6 pm CT
Contact Information
Phone (Call): 1-844-738-3446
Phone (Text): 1-844-262-8133
Email: [email protected]
Other: Online chat, 24/7 Vet Chat
How to Cancel Figo Pet Insurance
To cancel a Figo Pet Insurance policy, you can email their customer service team.
Does Figo Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy.
Customer Reviews
Ratings |
Overall Customer Rating 10,890 Reviews |
4.5 out of 5 stars |
Reviews Summary |
Here’s what pet parents are saying about Figo Pet Insurance across multiple review platforms, including ours. Customers appreciate Figo's clear coverage breakdowns and fast, efficient claims processing, which is often completed in around three days. From major surgeries to emergencies like poisoning, Figo provides peace of mind to pet owners when they need it most. Take a look at some of our favorite reviews! |
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Sources |
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Insured by: Figo Pet Insurance
Here's what
Matt thinks
"Figo's coverage breakdowns are extremely helpful and claims are completed in around 3 days."
See full review
Insured by: Figo Pet Insurance
Here's what
Janine thinks
"I don't know if we would've been able to care for Chuck's ACL surgery and lymphoma without Figo."
See full review
Insured by: Figo Pet Insurance
Here's what
Amanda thinks
"Figo has been fast, efficient, and wonderful. It's already paid for itself! I'm very thankful."
See full review
Insured by: Figo Pet Insurance
Here's what
Tom thinks
"When Rufus ate a 40-piece pack of sugar-free gum, a $3,500 emergency trip, Figo was there for us."
See full reviewCompare
Compare Figo Against Other Pet Insurance Companies
Wondering how Figo Pet Insurance stacks up against other pet insurance providers? We compiled a list of comparison charts to highlight the differences between cost and coverage. For a better idea of what pet insurance coverage works best for you, start a quote.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our Figo Pet Insurance Review
Overall, Figo Pet Insurance provides comprehensive coverage for dogs and cats, offering customizable plans to meet the unique needs of pet owners. Their plans cover accidents, illnesses, and optional wellness care. The accident waiting period is 1 day but can be waived in some states. The illness waiting period of 14 days is average. Figo stands out for its innovative features, including an app for managing policies and filing claims. Additionally, they offer a 24/7 Vet Chat, ensuring pet owners can access professional advice whenever they need it.
