Figo Pet Insurance

Figo Pet Insurance Reviews

Figo Pet Insurance Reviews

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About Figo Pet Insurance

Figo offers customizable coverage built for millennial pet parents. The company offers three comprehensive plans, and you can add optional coverage like Wellness, Veterinary Exam Fee or the Extra Care Pack. Figo offers up to 100% reimbursement, which is extremely rare for a pet insurance company and helps ensure you can keep costs down on large vet bills.

Pros & Cons

  • Flexible plan options
  • No upper age limit
  • Claim filing via app
  • 24/7 live vet chat
  • Wellness plans not included in base coverage
  • Standard plan doesn't pay exam fees

Featured Reviews

Colorado Springs, CO

If you have carefully reviewed your contract of coverage, you should be very happy with Figo. They process claims quickly ... Most important to me as a former insurance adjuster i...

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Walnut Creek, CA

Puppy has Figo since 10 weeks old. We chose unlimited coverage with $200 deductible. Phone App allows filing claims in vet’s office with photos of vet statements. Paid usually wit...

Read full review

How does Figo Pet Insurance work?

Figo Pet Insurance reimburses you for vet costs for your dogs or cats when they have unexpected injuries or illness, according to the terms of your plan. You pay a monthly fee for coverage; you can visit any licensed vet in the world, then file a claim for reimbursement.

The company recommends using the Figo Pet Cloud app to file a claim; however, you can also complete the claims process online, by phone, by fax or by email — you just need a copy of your paid invoice and your pet’s medical records. Figo has takes an average of three days to close a claim (two days if the company has medical records). You can be reimbursed via direct deposit or mailed check. Depending on your plan, you may have an unlimited annual benefit or a reimbursement level of up to 100%.

Figo offers a diminishing deductible, and the copy and deductible are waived for emergency life-saving treatment in the case of an accident (does not apply to illnesses). Holistic care is also included in the base policy.

What does Figo Pet Insurance cover?

When your dog or cat has a new injury, accident or illness, Figo covers costs for the following:

  • Emergency and hospitalization
  • Surgery
  • Cancer treatment
  • Lab and diagnostic testing
  • Prosthetics and orthopedics
  • Hereditary and congenital conditions
  • Chronic conditions
  • Food and Drug Administration-approved prescriptions

Figo does not cover:

  • Preexisting conditions
  • Experimental or cosmetic procedures
  • Care related to breeding and birth
  • Most parasites

Figo offers three add-on coverage options:

  • Veterinary Exam Fees: This add-on helps cover exam or consultation fees associated with an eligible illness or accident. It does not cover exam fees related to routine, wellness or preventative visits.
  • Extra Care Pack: The Extra care pack helps cover costs for cremation and burial (up to $250), lost pet advertising and award, vacation cancellation caused by a pet emergency, board fees, pet theft or loss caused by straying (up to $150) and third-party property damage liability (up to $10,000 per policy period and subject to a separate deductible).
  • Wellness: You can add routine care coverage to any plan to help pay for the cost of vaccinations, spaying or neutering, heartworm prevention, dental care and more. The company offers a Basic and Plus wellness add-on — the Plus add-on has higher annual maximums.

How much does Figo Pet Insurance cost?

Figo offers three plans: Essential, Preferred and Ultimate. All plans cover the same items but have different annual benefit amounts.

You can get a free monthly premium quote online. To give you an idea of what you can expect to pay, we got quotes for two different dogs in Tulsa, Oklahoma: a 3-year-old male golden retriever and a 12-year-old female Maltese.

For both quotes, we went with the company’s preselected options for annual deductible and reimbursement percentages.

For the golden retriever, the company suggested an 80% reimbursement and $250 deductible.

Annual benefitMonthly cost

The Veterinary Exam Fees would cost an addtional $6.46 a month, and the Extra Care Pack costs an additional $6.62 a month. The Wellness Basic option would cost an additional $9.50 a month, while the Wellness Plus option is an additional $16.50 each month.

For the Maltese, the company preselected a 70% reimbursement rate and $750 deductible.

Annual benefitMonthly cost

Adding the Veterinary Exam Fees option would cost another $8.46 a month, and the Extra Care Pack would cost an extra $6.62 a month. The Wellness add-on would cost $9.50 a month, and Wellness Plus would cost $16.50 a month.

Your monthly cost increases or decreases based on the reimbursement percentage and deductible you select. To lower your monthly premium, choose a lower reimbursement level or a higher annual deductible.

Figo Pet Insurance FAQ

Can I visit any veterinarian?

Yes, you can visit any licensed veterinarian in the world.

Does Figo Pet Insurance cover preexisting conditions?

No, Figo doesn’t cover preexisting conditions. It may cover conditions that are considered “curable.” The company recommends contacting its customer service for more information.

What is Figo Pet Cloud?

Figo Pet Cloud is Figo’s app. The app sends you vet visit reminders, helps connect you to a licensed vet 24/7, organizes your pet’s records and shows you where to find pet parks and day care. You can also use Figo Pet Cloud to socialize with other pet owners.

What is Figo Pet Insurance’s cancellation policy?

You can cancel your Figo insurance policy at any time by emailing or calling Figo. If you cancel within the first 30 days and haven’t made a claim, you get a full refund. Otherwise, refund policies vary by state.

Does Figo have a money-back guarantee?

Yes, Figo offers a 30-day money-back guarantee. If you cancel within 30 days and haven’t made a claim, you will receive a full refund.

Is Figo Pet Insurance good?

Figo Pet Insurance is a good choice for dogs and cats. The company gives you options for the annual benefit, reimbursement percentage and annual deductible, including plans with an unlimited benefit or 100% reimbursement. You can visit any licensed vet and have multiple ways to file a claim. If you’re searching for coverage for your dog or cat that’s at least 8 weeks old, get a quote from Figo — it takes less than a minute.

Figo Pet Insurance Reviews

Stars Rating

  • 3%
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  • 94%

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    How do I know I can trust these reviews about Figo Pet Insurance?
    • 4,464,628 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10

    Reviewed April 3, 2024

    I had a $500 deductible with a 70% "reimbursement" plan. One would think that it would cover 70%. NOT AT ALL. After my dog started vomiting and could not stop I decided to take him to the after hours vet. He is 2.5 years old and has no preexisting condition. I had a false sense of confidence because I had pet insurance. Had I not had pet insurance I probably would have waited a bit before taking him to the vet. My dog was fine. The visit was $1,000 and Figo covered $100? It is a SCAM!

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      Claims HandlingStaff

      Reviewed Dec. 1, 2023

      I thought I had done a thorough job comparing pet insurance prior to picking Figo - and it was tied to Costco, which made me feel more secure choosing them for our dogs. Before choosing Figo, my older dog had great coverage with Nationwide, and the puppy we adopted was covered by Trupanion. The puppy has a lot of anxiety and Trupanion covered that complaint - what I didn't realize was that Figo would consider that a preexisting condition and exclude all behavior issues from coverage. My older dog has displayed some aggressive behavior towards the puppy, and now we need to see a behavior specialist.

      Ironically, when we went to the vet to get an ortho certification for Figo, so we didn't have to wait 6 months for coverage, the vet put in the notes that my older dog was a little anxious. She has also been treated in the past for her anxiety with fireworks. Now Figo will likely not cover her treatment of aggressive behavior and will consider all behavior issues to be preexisting. They don't tell you ahead of time what they consider "preexisting" - they just comb through their medical records to find ways to deny claims. I am so disappointed, and the worse part is that we had coverage for both dogs with the other companies and now we are facing thousands of dollars of vet bills without coverage.

      Verified purchase
      Claims Handling

      Reviewed Sept. 22, 2023

      I have had a truly awful experience with Figo, if I could give it 0 stars I would. I am not usually a review person, but I hate the idea of any other pet parent going through this hell. After an extremely stressful time, with multiple ER visits, Figo has done nothing but add to my stress. They have denied almost everything I submitted, despite the fact that these services should be covered under the policy. They did not properly review the medical documents I provided, and provided denial codes that were not applicable to the case. For example, in one case they denied my claim because they said it was heartworm related - this was completely unsubstantiated, as she was hospitalized for high kidney levels, completely unrelated to heartworm. The medical records I provided do not even mention the word 'heartworm' in them.

      I submitted an appeal, which they also denied & said if I wanted to appeal further I would have to obtain evidence that it was not heartworm related. It is baffling to me that they can deny a claim with no evidence to support their denial, and then demand that I provide evidence to prove they are wrong. Adding these bad faith hoops for pet owners to jump through, when they're often already dealing with the stress of a sick pet, is truly reprehensible. I've spent hours of my time dealing with Figo's nonsense already, and am now faced with either trying to battle them further or give up the thousands of dollars they owe me. This company has given me nothing but stress during an already extremely stressful time. Please do yourself a favor and find insurance elsewhere.

      Claims Handling

      Reviewed Jan. 29, 2023

      My Lhaso Apso is 11 and has had some problems in the past but I thought I would give it a try. After only having the insurance for 10 days my dog began bumping into furniture so I knew she had to have something wrong with her eyes. Called a specialist to have her checked out and she had two detached retinas which caused sudden blindness. This was on the 11th day. Sent in claim and it went in review. Several blood tests were ordered and I had those done on the 14th day. Both claims denied because there was a 14 day waiting period. Ok makes sense, no problem!

      Took her back for follow up on the 25th. Sent in that claim. Now it was denied because now it is considered preexisting. I just thought that they would not pay anything during the first 14 days. Didn’t realize they would now say Pre-existing. Make sure you read your policy carefully! My fault I guess but no way was I going to wait 4 more days to have my dog examined. Now anything she has because of bloodwork can be determined Pre-existing although she has not been diagnosed with anything yet but detached retinas.

      Verified purchase
      Claims Handling

      Reviewed Aug. 19, 2022

      The claims department at Figo make every excuse to deny your claims. They will drag your claim out over the course of several months, force you to appeal, and then deny it. I highly recommend going with Nationwide pet coverage over Figo. We had a much better experience with them with one of our now deceased pets. Nationwide paid out claims promptly and without the painful experience that we have experienced with Figo.

      Claims Handling

      Reviewed July 21, 2022

      Figo has turned down every claim I've submitted due to "pre-existing conditions" despite my cat not having the pre-existing condition. They will scour the medical record for anything even remotely related to the claim in the past and declare it a "pre-existing condition". They lied and changed their story multiple times as to why the claim was denied. They will make your life miserable in the hopes you just give up on the claim. Garbage, scam of a company. Don't waste your money.

      Figo Pet Insurance
      Figo Pet Insurance

      Hi Jesse, we are so sorry to hear about this. We pride ourselves on being able to assist our pet parents, so we’d love to speak further and get more information. Please reach out to our customer service team via email or phone so that we can better assist you.

      Claims HandlingStaff

      Reviewed July 9, 2022

      This is the fourth pet insurance I have dealt with. Figo is by far the best out there. You might pay a little higher premium, but when you file a claim, they pay lighting fast without any hassles. They are fair and always helpful. The Figo app makes things so easy. A big high five for Figo. Thank you to Figo!! Without you my sweet Lexie could not the care she needs. I am so grateful for/to Figo.

      Customer ServiceClaims Handling

      Reviewed Jan. 5, 2022

      Figo Pet Insurance has so many exclusions you will be lucky to get any of your claims covered. I purchased pet insurance for accidents, injuries and unexpected illnesses. I submitted $4,500 in claims and received ZERO in reimbursement. Have tried to contact for clarification but have not been able to get anyone on the phone. I spent hours downloading and collecting all the information they requested. There are better companies out there. Do your research and don't waste your money.

      Verified purchase
      Claims Handling

      Reviewed Oct. 29, 2021

      We enrolled our two miniature long haired dachshunds with FIGO health coverage 2 months ago. We were very please with the ease associated with the enrollment process. The web site and app is fantastic. Unfortunately after several weeks, one of our dogs needed care and treatment for a sore back. We filed the claim with all the paperwork from the Vet. I would have expected a quicker decision. We'll wait and see. Claims processing is an important feature of the coverage and one of the reasons we switched from Trupanion to FIGO.

      Figo Pet Insurance
      Figo Pet Insurance

      Hi Daniel,

      Thank you for taking the time to leave your feedback, and welcome to the Figo Family! We are glad to hear that it was easy to enroll and that the app and website are also easy to use. Your first claim typically takes the longest as we get a prior history written up for your pet and review their medical history in full. This helps us speed up the claims process for any future claims submitted. If you have any questions, please don't hesitate to reach out to us at 844-738-3446!

      Verified purchase

      Reviewed Oct. 29, 2021

      We love Figo! I Always feel at ease knowing that my fur babies are covered by Figo! Even if it’s just for follow up shots Figo always helps out with the bills. I recommend getting insurance for your pets to everyone. It’s so worth it!

      Figo Pet Insurance
      Figo Pet Insurance

      Hi Thalia,

      Thanks for taking the time to leave your awesome review. We are so glad that you see the importance and value of pet insurance. Figo is here to help you take on whatever life throws your way. Please don't hesitate to reach out to our Customer Experience team at (844) 738-3446 if you need any assistance. Thanks for being part of the Figo family. Say Hi to Malibu and Loui for us!

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      Figo Pet Insurance Company Information

      Company Name:
      Figo Pet Insurance
      Year Founded:
      United States