What we like:
Numerous discounts available
|Monthly Premium||As low as $21.71|
|Deductible||$250 to $1,500 depending on pet’s age, size, and other factors such as plan selection|
|Benefit Limits||$10,000, $14,000, or unlimited depending on plan selection|
|Age Restrictions||Minimum 8 weeks old with no upper age limit|
We’ve all likely experienced that unsettling feeling — you’re at the vet with your beloved furry, scaly, or feathery friend and the receptionist reads off a number and reaches for your card. “That isn’t my bill, is it?” Veterinary care can be much more expensive than owners expect and, for pets prone to certain diseases or with preexisting conditions, the cost of treatment can rise exponentially over the years. That’s why many owners are opting for pet insurance to make sure their fur baby can get the necessary care.
Pet health insurance, like human health insurance, charges a premium each month in exchange for helping cover your pet’s treatment costs. Some plans have a limit on coverage and others have no limit but may charge a higher premium or have a higher initial deductible. However, due to the low monthly cost of pet insurance, many pet owners consider it a worthwhile investment.
Figo, one of the nation’s leading pet insurers, offers a variety of plans to suit the needs of owners with pets of all sizes. This Figo pet insurance review will discuss the options available and provide the insight you need to decide if Figo is the right pet insurance company for you.
In this review:
- Benefits of Figo Insurance
- Downsides of Figo Insurance
- What Does Figo Pet Insurance Cover?
- How Much Does Figo Pet Insurance Cost?
- Where Is Figo Insurance Available?
- Figo Customer Service
- Figo vs Healthy Paws
Figo Pet Insurance Review
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. And these are just a few of the many money-saving opportunities offered by Figo.
Benefits of Figo Insurance
Figo insurance provides ample benefits to pet owners who sign up for coverage.
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. Plus, 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 pre-existing 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. For owners who have struggled to find coverage for their pet because of existing medical conditions, paying slightly more at Figo may be a great choice.
And 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.
Downsides of Figo Insurance
Although Figo overall has excellent reviews, some customers complain that their pet’s treatment wasn’t covered when they expected it to be. And, while Figo does provide some coverage for pets with pre-existing conditions, coverage is limited for certain health issues so it’s best to clarify policy terms with a representative. Some may also find Figo’s coverage restrictive— pet owners with reptiles, amphibians, birds, and fish can’t sign up for policies from Figo.
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 range from 60% to 100% depending on plan and the deductible can be as low as $100 or as high as $1,500. However, routine and preventative visits to the vet are not covered, nor is training, boarding, or grooming. 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 while large dogs may incur monthly premiums starting at around $35.
For an additional $6.36 per month, 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.)
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 alternatives, Healthy Paws, is another pet insurance provider with a strong track record of good reviews. However, it’s important to note that Healthy Paws will not provide coverage for preexisting conditions while 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.
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.4.48 FIGO Pet Insurance