About the Company

As a pet parent, you’re already familiar with the expensive medical costs that come with preventative healthcare and emergency services. Fortunately, Figo Pet Insurance is in place to lessen the impact on your budget when a trip to a veterinarian is required. With coverage, families avoid the stress involved with financially crippling costs that are necessary to maintain their pet’s healthy lifestyle.

Figo Pet Insurance is a reputable partner that promises to offer financial assistance for issues like diagnosing and treating illnesses and covering prescriptions required for a full recovery. The team can also curb expenses when accidents occur by offering plans that cover emergency care and surgery. In certain states, policyholders may qualify for specialty coverage, including examinations, routine care, and even vaccinations. 

Are you searching for a pet insurance program to help protect your furry family members? Find out more about Figo’s coverage plans, what’s included, and how to sign up for financial peace of mind.

Figo was founded in 2013 in Chicago, IL. It offers coverage in all 50 states for cats and dogs and allows pet owners to seek treatment from licensed veterinarians in the United States, Canada, and Puerto Rico. The team sticks to its startup roots by involving technology throughout its unique coverage. Policyholders are invited to access an innovative app (Figo Pet Cloud) that includes virtual vet visits, creates schedule reminders, and connects with other Figo customers.

Get Estimate

Figo Pet Insurance Coverage

Some pet insurance providers proudly promote their most appealing coverage options but hide exclusions and limitations in the fine print. Figo is different because the team clearly explains what is involved when purchasing a plan and is transparent on services that aren’t included. 

To find the exact coverage plans available in your area, you must visit the companies website and disclose your location, as options can vary state-to-state. For this review, we applied for a policy in the team’s home state of Illinois. We found that the group offers three levels of protection that share the same services but increases the annual amount of veterinary expenses paid per policy. 

 Here is how the tiers range:

• Essential: $5,000
• Preferred: $10,000
• Ultimate: Unlimited

Now, find out what’s included in the coverage across all plans. The optional services can be adjusted (in some states) to customize the level of protection, making it easier to fit various budgets and healthcare needs.

Based on a sample contract provided by Figo, there are specific responsibilities that pet owners must maintain to carry coverage, including:

• Clients must follow their veterinarian’s advice for senior wellness testing when renewing a policy for dogs aged eight or older and cats aged ten or older. 
• Pets must receive annual health and dental checks and administer treatments as recommended by a licensed vet. 
• Figo can deny claims if an illness occurs that could have been avoided by a vet-recommended vaccination. 
• Before making your first claim, you must supply 24-months of medical or adoption records for your pet. 
• Policyholders must make arrangements with their veterinarian immediately after a pet shows clinical signs of illnesses.

When requirements are met, claims handling and reimbursement are managed swiftly. Figo is one of the only pet insurance providers that offer up to 100% of your plan, deductible, and reimbursement options meet requirements. 

What’s Excluded

While coverage from Figo is broad, there are specific circumstances that disqualify reimbursement. The most significant cause of denied claims stems from pre-existing conditions. This is typically defined as illnesses that occurred before your pet’s coverage started or became prominent during a waiting period. It’s important to note that the provider does instill a waiting period for accidents, illnesses, and knee injuries. However, the durations vary by state, so you must reach out to Figo to discover the exact requirements for your location. 

Another exclusion from the basic care plans involves wellness exams, vaccinations, and parasite treatments. However, policyholders can obtain coverage for preventative measures by purchasing the Wellness Benefit option separately. This extension to a policy includes financial assistance for health checks, microchipping, vaccines, spay or neutering procedures, and dental treatments.  

Cosmetic or elective surgeries like tail docking, ear cropping, and declawing are also standard pet practices excluded from coverage.

How Much Does Figo Coverage Cost?

While Figo states that most of its plans average less than $1.50 per day, multiple factors can cause the price to fluctuate. For instance, the costs will vary depending on if you’re insuring a cat or dog, their age, breed, and location. The best way to discover exactly how much your annual premium will cost is to ask for a free quote. You can do this by providing your information via an online form of Figo’s website or by reaching a customer representative at 844-738-3446.

Once you approve the policy, a customer service representative will explain the waiting periods in place at the beginning of your contract date.

How to Make a Claim with Figo

Because of Figo’s dedication to being a tech-first company, making a claim is straightforward and can be performed digitally. Upon becoming a customer, policyholders have access to an intuitive app known as the Figo Pet Cloud. To make a claim with the software, users must: 

• Log into their account on any device.
• Select the claims icon via the application. 
• Upload or attach a copy of a paid, itemized invoice and submit the claim. 

The company also asks that your veterinarian sends your pet’s medical records once a claim is filed.

Customers must submit all claims and documentation within 180 days of the treatment date. Figo will approve or deny the financial restitution within 30 days of receiving the completed paperwork. Keep in mind that you are responsible for paying the upfront cost to cover the vet’s bill, then later receive reimbursement if the issue is covered per your contract.

Our Choice for Pet Insurance

Figo Reviews

Figo receives primarily positive feedback throughout online review sites. On Trustpilot, the team shows a nearly four out of five-star rating after over 650 comments. Over 80 percent of actual users rate their experiences as excellent. Here are some examples regarding what people are saying about the service. 

“We’re new customers to Figo. We switched from another company. We compared policies carefully and concluded that Figo was the better cost-effective option for our two dogs, plus we love the millennial culture that the company exudes. You can tell that they honestly love animals.” — Dano N. 09/2021, 5-Stars.

“I was skeptical about getting insurance for my cat. After some research, I chose Figo. So far, I am very happy with them. I put in two claims and both were paid in a timely fashion. When I had to call to ask about a claim, the representative was very nice and helpful.”—David S. 05/2021, 5-Stars.

Our Conclusion

Since preventative maintenance or life-saving emergency procedures can cause financial devastation, pet insurance is crucial to ensure your furry family members receive healthcare. Buying a policy from Figo means you can customize your coverage to receive a 100% reimbursement or find more basic plans that still provide excellent protection and savings. 

The tech-forward experts at Figo offer multiple ways for its policyholders to make claims, track their progress, and maintain their pet’s health scheduling and treatment records. The Figo Pet Cloud app offers the exceptional resource of conducting virtual vet visits 24/7. Worried pet parents can instantly access a licensed veterinarian to discuss illness symptoms and determine if immediate care is necessary. 

While the compassionate team at Figo handles the service aspect of your pet’s healthcare and customer relations, the group works with a leading and trusted powerhouse in the insurance industry to manage claims. Their partnership with the Independence American Insurance Company places your policy is in expert hands. 

Overall, Figo proves to be a steadfast provider committed to ensuring customer satisfaction and the health of its client’s cats and dogs. Find out how this optional insurance coverage can protect your budget from unexpected health emergencies by applying for a free quote from Figo.