Figo Pet Insurance Information & Review: Everything You Need To Know

Figo Pet Insurance Logo
General Information
How Much Does It Cost?

General Information


Figo Pet Insurance was founded in 2013 by Rusty Sproat, who is also the company’s current CEO. The company is headquartered in Chicago, Illinois. According to the Figo Pet Insurance website, the company was rated “Best Pet Insurance” by Reviews.com in 2017, 2018, and 2019, and “Best Technology” by Reviews.com in 2020.

Figo’s primary products are its accident and illness pet insurance plans, which are underwritten by Independence American Insurance Company and Markel American Insurance Company. The company also provides customers with the Figo Pet Cloud app, which helps pet parents manage reminders for veterinary appointments, upload and download documents, connect with other pet parents, and even access an emergency veterinarian 24/7.

In January 2020, Figo became the largest independent pet insurance provider in the U.S. and was valued at $125 million.

What kinds of pets are eligible for Figo Pet Insurance?

Currently, Figo Pet Insurance covers veterinary bills for dogs and cats that are over 8 weeks old. The insurance covers up to 100% of the costs for treating injuries, illnesses, and other covered health issues. There are no upper age limits for coverage of dogs and cats.

What insurance plans are available through Figo Pet Insurance?

Figo Pet Insurance offers three comprehensive accident and illness pet insurance plans to pet parents. They are the “Essential,” “Preferred,” and “Ultimate” plans. Once you choose one of the three plan options, you can customize your plan further by choosing the deductible and reimbursement rate that works for your budget.

Figo Pet Insurance does not currently offer a plan that covers routine wellness or preventative care.

Key Takeaways

Get complete accident and illness coverage with any Figo Pet Insurance plan
Get coverage for up to 100% of costs in some cases
No reduced coverage for visiting specialists
Does not offer routine wellness or preventative care plans
Lets you choose your own vet.
Will not raise the price of your policy because you file a claim.
Like all pet insurance companies, they cannot cover pre-existing conditions.

How Much Does It Cost?


Pet insurance prices for Figo Pet Insurance vary based on your pet's breed, age, gender, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare Figo to other leading pet insurance brands for free.

Figo Pet Insurance lets customers customize their pet’s health insurance plan based on the percentage they are reimbursed for costs, their annual deductible, and their annual limit. All these factors will impact how much you pay monthly as well.

For example, a plan with an unlimited annual limit will provide substantial reimbursement for your pet’s healthcare costs, but you can also expect to pay more per month. Likewise, a lower reimbursement percentage will help you save on monthly costs, but you’ll end up paying more out of pocket for care.

*You can find a Figo Pet Insurance policy that fits your budget and unique coverage needs by using Pawlicy Advisor’s pet insurance analyzer.

Get a Free Quote

What makes Figo Pet Insurance worth it?

Figo Pet Insurance offers comprehensive coverage of accidents and illnesses at decent prices, which makes it a good option for most pet parents.

One of the biggest benefits of Figo plans is that you can get complete coverage no matter which plans you choose. Even the company’s most basic package provides the same benefits as the higher tiered plans, albeit with a smaller annual limit on coverage. In some cases, you may be able to get 100% coverage for veterinary expenses.

You can customize plans directly through Pawlicy Advisor as well.

Figo processes claims within 30 days of receiving them, but states that its “goal is 7-10 business days.” Payments can go directly into your bank account via ACH to make the reimbursement process faster.

Figo won’t reduce your coverage just because you visit a specialist, either. Like other pet insurance plans, Figo Pet Insurance lets you visit any veterinarian you choose.

Unlike other pet insurance plans, Figo also offers a unique feature: The Pet Cloud. This smartphone app lets pet parents manage important documents, connect with other pet parents, and find pet services in their area.

One thing to note: Figo Pet Insurance doesn’t offer a wellness plan. Figo’s plans don’t cover spaying or neutering, nor will they cover what the company deems “experimental” procedures. Pet parents who want a wellness plan may want to look elsewhere, or they could look for a supplemental wellness plan from another provider if they want to stick with Figo.

Important Information to Know About Figo Pet Insurance


How good are Figo Pet Insurance reviews?

As of 2021, Figo Pet Insurance reviews have an average rating of 4.0 out of 5 on Trustpilot (from 653 reviews).

*Keep in mind that pet insurance reviews only offer a shade of context. Simple review aggregators do not illuminate the real data points and fine print as it relates to your unique pet, location, and financial standing. To get a data-driven, personalized recommendation you can use Pawlicy Advisor’s free policy scanner.

Have an existing Figo Pet Insurance policy? Write a review to help other pet owners.

What to know before investing in Figo Pet Insurance

The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
The age at which your pet is first eligible to be insured.
If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
Geographical regions where incurred expenses will be covered by the insurance provider.
Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.

When should you consider insurance for your pet?

The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.

Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.

Customer Service


There are multiple ways for customers to get in touch with Figo Pet Insurance staff. Customs can call, text, fax, or email for customer support.

Through Figo’s Pet Cloud product, customers can even chat with a veterinarian using the Live Vet feature. This feature is available anytime, anywhere, and can connect users to a veterinarian within seconds.

Hours of availability for the company's sales department.
Email address of the company's sales department.
Phone number of the company's sales department.
Hours of availability for the company's veterinary services department.
Email address of the company's veterinary services department.
Phone number of the company's veterinary services department.

Discount Opportunities


How can you receive a discount on Figo Pet Insurance:
A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.

What's Covered


Each of Figo Pet Insurance’s three plan tiers provides comprehensive accident and illness coverage to dogs and cats. This type of coverage reimburses pet parents for unexpected veterinary costs associated with the treatment of injuries and illnesses.

Specifically, Figo Pet Insurance covers exam and consultation fees (optional), hospitalization, surgeries, hereditary conditions, congenital conditions, chronic conditions, cancer treatments, prescriptions, and more.

List of treatment and conditions covered by Figo Pet Insurance plans

Use Any Vet
Use Any Vet
Covered
Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.
Illnesses
Illnesses
Illnesses that your pets might encounter
Covered
Cancer
Cancer
Includes coverage for cancer-related treatments like chemotherapy and radiation treatment.
Covered
Breed-Specific Conditions
Breed-Specific Conditions
Covered
Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Covered
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Covered
Condition that requires ongoing care.
Covered
A disease that affects an animal's hip joint.
Knee Injury
Covered
Accidents
Accidents
Intravenous (IV) Fluids and Medications
Covered
Medical Supplies (bandages, casts, and splints)
Covered
MRI Scans
Covered
CT Scans
Covered
X-Rays
Covered
Ultrasound
Covered
Blood Tests
Covered
Urinalysis
Covered
Exam Fees for a Covered Occurrence
Surgery
Covered
Hospitalization
Covered
Dental
Dental
Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
No
Dental Coverage for Periodontal Disease
No
Dental Coverage for Deciduous Teeth, Cysts, Enamel, and Unerupted Issues.
No
Alternative Therapies
Alternative Therapies
Covered
The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
Covered
The insertion of small needles to cause a desired healing effect.
Covered
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Covered
Chiropractic adjustments include spinal manipulation and/or manual therapy.
No
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
No
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).
Behavioral Issues
Behavioral Issues
No
A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
No
Costs and payments related to obedience or training classes, including puppy classes.
No
Costs and payments related to training for behavioral disorders.
No
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
No
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.
Prescribed Foods + Medication
Prescribed Foods + Medication
Covered
Prescription medications are approved by your vet for the treatment of your pet's ailment.
No
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
No
Foods prescribed by your veterinarian for general health maintenance or prevention.
Exam Fees
Exam Fees
Exam Fees for a Covered Occurrence
Poison
Poison
Poison Control Consultation Fees
Supplements For Covered Conditions
Supplements For Covered Conditions
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.
No
Vet Labor
Vet Labor
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Covered
Other
Other
Stem Cell Therapy
No
Covered
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
No
Reimbursements for advertising costs for a lost pet.
No
Reimbursements for offering a reward for a lost pet.
No
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
Covered
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Breeding, Pregnancy, Whelping or Nursing
No
Complications from Breeding, Pregnancy, Whelping, or Nursing
No

*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.

What's Not Covered


Like most other pet insurance plans, Figo Pet Insurance excludes some types of coverage to keep prices low. These exclusions include:

  • Pre-existing conditions
  • Routine, wellness, or preventative care
  • Spaying or neutering
  • Experimental procedures
  • Breeding, pregnancy, or giving birth
  • Cloned pets or cloning procedures
  • Cosmetic surgery
  • Coprophagia (the medical term for "eating poop")

Figo Pet Insurance defines a pre-existing condition as follows:

“A pre-existing condition is a medical condition which first showed signs or symptoms before the effective date of your Figo Pet Insurance policy or which occurred during the policy waiting period. Figo Pet Insurance does not require a veterinary exam to enroll. However, if you cannot provide medical records showing your pet’s annual health exam by a licensed veterinarian occurring within the 12 months prior to the effective date of your Figo pet insurance policy, the first documented veterinary examination after the effective date of the policy may be used as a basis for determining any pre-existing conditions.”

Claims Reimbursement


What information do you need to submit your claim?

  • Completed claims form
  • Original paid invoices
  • Medical records

To process your first claim, your veterinarian must send Figo Pet Insurance the last two years of medical records on the pet, including notes. Your vet can email this information to your Figo Pet Cloud account, fax them to Figo directly at (773) 796-4907 or email them to medicalrecords@insurefigo.com.

How long might it take for your claim to be reimbursed?

Figo pet insurance states that its goal is to complete pet insurance claims within seven business days, but claims can take as long as 30 days to process. Claims can be processed faster if the company receives the requisite information soon after you receive your bill.

If you set up ACH payments with Figo, you can expect payments to be processed within 3-5 business days after your claim is processed. If you prefer to be paid by check, you will typically receive it within 7-10 business days after your claim is processed.

To submit your claim, the following information is needed:

Claims must be reported within one hundred and eighty (180) days. Figo Pet Insurance has a right to seek an independent medical examination of the pet(s) or to obtain the Pet’s veterinary records. You must submit a claim form, completed and signed by you. Along with the claim form you must include the itemized paid receipt or billing statement reflecting the paid charges and the nature of treatment. An electronic claim form, (that Figo Pet Insurance approves), from the attending veterinarian may be submitted for direct payment. You must authorize Figo Pet Insurance to obtain any additional records or other information we deem necessary directly from the veterinarian.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.
Typical The longest amount of time it takes the insurance provider to process a claim.

Cancellation Information


You may cancel your policy at any time by emailing us at support@figopetinsurance.com. Youare required to make the cancellation request in writing, via email. However, Figo Pet Insurance would be more than happy to discuss your cancellation over the phone and can be reached at (844)738-3446. Also, please note Figo Pet Insurance offers a 30-day money back guarantee if you have not filed a claim.

The policy will renew automatically each year unless Figo Pet Insurance is notified that the policyholder wishes to cancel. Policyholders can view their renewal declaration page at least 30 days prior to your policy’s expiration date. This document is located in Figo Pet Insurance's Pet Cloud under the “Inbox and Docs” icon and can be found within the “Policy Documents” folder.

Pre-existing conditions


Pre-existing conditions are not covered by Figo Pet Insurance. However, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still be covered in case other injuries or illnesses arise.

The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is Figo Pet Insurance latest definition:

A pre-existing condition is a medical condition which first showed signs or symptoms before the effective date of your Figo Pet Insurance policy or which occurred during the policy waiting period. Figo Pet Insurance does not require a veterinary exam to enroll. However, if you cannot provide medical records showing your pet’s annual health exam by a licensed veterinarian occurring within the 12 months prior to the effective date of your Figo pet insurance policy, the first documented veterinary examination after the effective date of the policy may be used as a basis for determining any pre-existing conditions.

Compare Figo Pet Insurance To Other Top Providers


If you'd like to see how Figo Pet Insurance stacks up against other top providers, we've made it easy. Take a look at the links below:

A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
Pets Best Pet Insurance Logo
ASPCA Pet Health Insurance Logo
Figo Pet Insurance Logo
Petplan Pet Insurance Logo
PetFirst Pet Insurance Logo
Hartville Pet Insurance Logo