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Insurance Pet Insurance

Figo Pet Insurance Review

Updated Nov 29, 2023   |   6-min read

Figo
on Figo’s secure website
Editorial Rating

4.48
Editorial Rating

What we like:

Numerous discounts available

Monthly PremiumAs low as $21.71
Deductible$250 to $1,500
Benefit Limits$10,000, $14,000, or unlimited
Age RestrictionsMinimum 8 weeks old with no upper age limit
See how Figo compares to our top rated pet insurance companies

Figo offers customizable coverage built for millennial pet parents. Pet parents can choose one of three comprehensive plans, and then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet, and easy mobile claim filing.

This Figo pet insurance review will cover the different plans available to you, the pros and cons of taking out a policy, how to get started, and more.

In this review:

Figo Pet Insurance: Costs & coverage

Figo Pet Insurance
LendEDU rating4.6/5
Eligible petsDogs & cats
Minimum age8 weeks
Vet exam required?No
Maximum benefit options$5,000, $10,000, or unlimited
Reimbursement range60%, 65%, 70%, 80%, 90%, or 100%
Deductible range$100, $250, $500, $750, $1,000, or $1,500
View rates

Figo has been supplying pet insurance and other financial products since 2012. As part of Google’s Tech Hub Network, Figo offers a number of interactive and intuitive tools for pet owners who utilize their insurance including smart updates and 24/7 access to a live vet via the app.

Figo offers multiple types of pet insurance plans for both cats and dogs. This means that regardless of the size and condition of your pet, Figo is likely to offer coverage.

While the Essential plan is the cheapest and provides the most limited coverage, the Ultimate plan offers owners nearly unlimited services while the Preferred plan offers a middle ground. 

Figo pet insurance is also a unique pet insurance company because of the number of discounts it offers. Veterans, owners with medical services pets, and even owners who pay their annual premium in one lump sum will pay a lower overall cost.

What does Figo Pet Insurance cover?

Figo pet insurance offers many levels of coverage to fit the needs of most pet owners. And all breeds of dog and cat are eligible. 

Reimbursement rates are between 60% to 100% depending on the plan and the deductible can be as low as $100 or as high as $1,500.

Hereditary and congenital condition coverage sets Figo apart from many other companies, and owners can expect coverage for hospitalization, surgery, prescriptions, and even cancer treatment.

>> Read More: How to pay for emergency pet care?

How much does Figo Pet Insurance cost?

Although costs and coverage vary based on each individual’s unique situation, plans for small dogs start as low as $20.

For an additional fee each month (typically between $5–$6), pet owners can add Veterinary Exam Fee coverage, which will cover the fees charged for an office visit if a pet is experiencing a covered issue. (This does not include routine and preventative visits.)

Pros & cons of Figo Insurance

Pros

  • Thanks to its policy of using an annual deductible system rather than a per-incident deductible, owners can get a clear idea of what their treatment costs will be.

  • Similarly, because of the discount for paying annually, those with the means can save some money by paying insurance policy premiums in a lump sum.

  • Because Figo bases premium prices on the coverage it provides, owners with pets who have preexisting conditions are more likely to be able to find coverage with Figo—albeit at a higher premium—rather than being turned down entirely for a pet insurance policy.

  • Because of Figo’s tech-centric approach, using the insurance is simple—just navigate around the app to see reminders for care, talk to a live vet, and chat with representatives.

  • “Curable” pre-existing conditions may be eligible for coverage if no signs or symptoms are present for 12 months

  • Each year you go without filing a claim, your annual deductible will be reduced by $50 until it results in a $0 deductible

  • Copay and deductible waived for emergency life-saving treatment (for accidents only)

Cons

  • Although Figo overall has excellent reviews, some customers complain that their pet’s treatment wasn’t covered when they expected it to be.

  • Some may also find Figo’s coverage restrictive—pet owners with reptiles, amphibians, birds, and fish can’t sign up for policies from Figo.

How to get covered

Getting a Figo policy is easy. You just need to provide some basic information about your pet online, including:

  • Your pet’s name
  • Species and breed
  • Age
  • Your zip code

You’ll then be required to make your policy selections. These include the amount of coverage you want, the size of your deductible, and what additional protections—if any—you’d like to add to your policy.

Figo pet insurance policy
Note: the rates you’re offered may vary from those above based on your pet and location.

After you make your selections, you just need to submit your first payment for your policy to go into effect. Coverage can begin as soon as the following day.

>> Ready to get started? Get a quote on Figo’s website.

Where is Figo Insurance available?

Figo is available throughout the United States and owners in Canada and Puerto Rico can also apply for coverage. Because Figo is a technology-based insurance company, you can get a quote online and complete your application from the comfort of your own home at any time.

Figo customer service

Figo Pet Insurance reviews are positive overall, with many policyholders noting their claims were resolved within an hour or even while they were still at the vet.

The company can be contacted via text, tweet, email, or phone, making it highly accessible for those on the go. In addition to accessible representatives, Figo also boasts Evie, an AI assistant who is able to answer most questions. 

Figo is available via phone Monday through Friday, 8:00am-7:00pm CST; Saturday, 8:00am-6:00pm CST, and Sunday, 11:00am-3:00pm CST (text support only). The company can be reached via phone at 844.738.3446, via text at 844.262.8133, and at [email protected].

Figo vs. Healthy Paws

One of Figo’s main competitors, Healthy Paws, is another pet insurance provider with a strong track record of good reviews.

However, it’s important to note that while, officially, neither provides coverage for preexisting conditions, Figo may provide some coverage on an individual basis.

Healthy Paws also boasts a payment mailing timeline of three days, but thanks to Figo’s tech-centric approach, owners can see their claims processed in mere hours.

Figo’s lack of age restrictions also set it above Healthy Paws, as HP requires a veterinary examination at or before 6 years of age to qualify. Further, age can disqualify a pet from certain coverage with Healthy Paws, and older pets see significantly higher premiums that are uncommon at Figo.

Interested in comparing Figo to other insurers? Check out our guide to the best pet insurance companies.

Bottom Line

Figo’s pet insurance may be a great option for those who are having a hard time qualifying for coverage elsewhere, but owners should be prepared to pay more per month for the best coverage—just as with any insurer.

Thanks to Figo’s quick response time and plethora of contact options, owners will find they have not only an insurer, but a resource in times of need.

How we rated Figo Pet Insurance

Figo scored a 4.4 out of 5. We rate pet insurance companies based on a variety of data points including coverage, cost, customer ratings, benefit limits, exclusions, and more.


Ready to get a quote for Figo Pet Insurance?

  • Deductible: $100 – $1,000
  • Reimbursement: 70% – 100%
  • Benefit limit: $5,000 – Unlimited