In This ReviewOur Take | Pros & Cons | Comparison | Company Background | Plans & Coverage | Pricing | Reviews | FAQs | Conclusion

Figo offers pet insurance policies that keep pets protected against accidents and illnesses and saves pet owners money on excessive vet bills. Depending on your location, its plans can be worthwhile and affordable with unlimited coverage limit options.

Keep reading to find out more about the company’s background, insurance coverage options, and pricing and our recommendation on whether Figo is the best pet insurance company for you and your furry friend.

VIEW MORE

Our Take on Figo Pet Insurance

Scoring points for customer service availability and plan options, Figo received a score of 91 out of 100 during our review of top-rated pet insurance carriers.

Figo stands out amongst the competition for its 100% reimbursement rate option. In some states, it also offers a unique add-on for extra coverage on costs for cremation, boarding fees, and third-party property damage liability.

Figo, which is available in all 50 states and D.C., might be a good option if you’re looking to avoid co-pays or out-of-pocket expenses during a claim beyond your deductible.

If you’re not sure which pet insurance company to use, we recommend getting a quote from our top rated pet insurance providers.

Pros & Cons of Figo Pet Insurance

Compare the advantages and disadvantages of Figo Pet Insurance:

✔ Has a user-friendly mobile app for claims and policy management
✔ Customer service is available through SMS texting
✔ Has a one-day waiting period for injuries, which is shorter than many competitors
✘ Doesn’t cover animals under eight weeks old
✘ Has a B rating on the BBB, which is lower than competitors

Figo Compared To Other Pet Insurance Companies

Quickly compare features from Figo and other top-rated pet insurance providers:

Comparison

ProviderSample monthly premium*Number of plans and add-on options
Figo$22.325
Lemonade$18.503
Spot$34.604
Embrace$44.092
Healthy Paws$45.881

Figo Background

Located in Chicago, Figo was founded in 2013 by Rusty Sproat. Its insurance product sits at the intersection of technology and pet insurance, providing pet parents with an easy way to manage their pet’s health.

Additionally, Figo created a cloud-based mobile app called Pet Cloud for customers to connect with other pet parents, share images, chat with live vets 24/7, and explore pet-friendly places in their area, such as parks, day cares, and restaurants.

Figo policyholders can be confident in their coverage since Figo’s pet insurance policies are underwritten by the Independence American Insurance Company (IAIC), which has an A- for financial strength by A.M. Best and an A+ rating from the Better Business Bureau (BBB).

Figo Pet Insurance Plans and Coverage

Figo sells three plans, which each cover accidents and illnesses. Here are some examples of the incidents covered under a Figo plan:

  • Toxic ingestion
  • Poisoning
  • Bite wounds
  • Gastric torsion
  • Ligament rupture
  • Dental trauma
  • Burns
  • Broken bones
  • Genetic conditions
  • Chronic conditions
  • Congenital conditions
  • Cancer

Covered treatments must be considered medically necessary and related to an accident or illness. Here are some examples of the covered procedures and treatments in all three of the plans offered by Figo:

  • Surgery
  • X-rays
  • CT scans
  • Ultrasounds
  • Lab tests
  • Hospitalization
  • Prescription medications
  • Endodontic treatment for dental injuries
  • Pet ambulance transportation
  • Euthanasia if necessary for human reasons
  • Orthodontic treatment
  • Acupuncture

Each plan includes the same accident and illness coverage but is separated based on annual limits and lifetime coverage caps. Here are the annual and lifetime limits for each separate plan:

  • Essential Plan: $5,000 annual benefit
  • Preferred Plan: $10,000 annual benefit
  • Ultimate Plan: Unlimited annual and lifetime benefit

In addition to these standard plans, Figo offers additional coverage to pay for added costs from consultations, exams, vet visits, or diagnostics related to eligible accidents or illnesses. In some states, Figo offers the Extra Care Pack, which covers cremation, lost pet advertising, vacation cancellation fees, boarding fees, pet theft replacement, and third-party property damage liability.

You can also add wellness or preventative care coverage to your policy for things like vaccines, bloodwork, fecal tests, urinalysis, annual check-ups, and microchipping. The table below shows the specific limits for each treatment included in the Basic and Plus wellness plans and their standard monthly costs.

Wellness Plans Coverage Limits

TreatmentBasic PlanPlus Plan
Wellness exams$20$40
Vaccines$30$50
Spay/neuter or teeth cleaning$40$75
Tests$20$45
Microchipping or health certificate$15$30
Deworming$10$10
Total annual benefit$135$250
Monthly cost$9.50$16.50

Coverage Exclusions

Like all other pet insurance companies, Figo doesn’t cover any pre-existing conditions, which it defines in a sample policy as “a chronic condition, injury, or illness with clinical signs observed by you or your veterinary provider within 12 months of or prior to the policy’s effective date and waiting period.” This includes any undiagnosed conditions.

Figo also excludes coverage for treatments related to hip dysplasia and orthopedic conditions during the first six months of your policy.

Figo Pet Insurance Pricing

Figo’s premiums can be customized based on your choice of 70%, 80%, 90%, or 100% reimbursement rates and $100, $200, $250, $500, $750, $1,000, or $1,500 annual deductibles (depending on your pet’s age and location).

Your preferences can also affect the pricing of the exam fees add-on, which is typically around $4–$10 extra per month. When available, the Extra Care Pack is usually a flat rate of $6.62 per month, regardless of your dog or cat’s breed.

Here are a few sample premiums for four-year-old dog and cat breeds located in Raleigh, North Carolina, with a $500 annual deductible and 80% reimbursement rate:

Sample Monthly Premiums

Species/breed*Dog - Medium MixedDog - Golden RetrieverDog - Yorkshire TerrierCat - Domestic Medium Hair
Essential Plan$19.13$28.73$18.15$10.99
Preferred Plan$22.32$33.53$21.18$12.83
Ultimate Plan$25.35$38.07$24.05$14.57

*All sample quotes are for four-year-old pets located in Raleigh, North Carolina, with a $500 deductible and 80% reimbursement rate

Discounts

Figo provides a 5% discount for each additional pet that you add to your policy. For companies with more discounts, look to Embrace for its military discount or Lemonade for 10% off your premium when bundling with homeowners insurance.

Figo Pet Insurance Reviews

According to reviews on Figo’s BBB and Trustpilot profiles, some customers are satisfied with the company’s fast claims process and friendly customer service, while other customers are upset with raised prices and denied coverage. These complaints are likely the reason for a BBB rating of B.

Here are some reviews from existing Figo customers:

David S. on Trustpilot:

“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.”

Adrienne M. on the BBB:

“I have Figo for two dogs. My policy is one year old and is just renewing in August. I have never made a claim, [my] policy is one year old, my dog is only three years old in excellent health, and my policy increased almost 100%. [It] went up from $38 to $69 per month. They gave me a low rate and then hiked it way up at the first opportunity. I can understand a small yearly increase, but this is unreasonable. If I could rate them lower than 1 star I would have. Buyer, beware.”

State Availability

Figo is available in all 50 states plus Washington, D.C. However, pricing and policy details may vary from state to state, so we recommend getting a quote to find out more about what’s available in your area.

Frequently Asked Questions

Our Conclusion

Figo is an ideal pet insurance insurer for pet parents who want unique technological benefits, a 100% reimbursement, and added coverage features. However, coverage options can be limited depending on your state and pet’s age. If Figo doesn’t offer the coverage you need, we recommend looking to Lemonade or Healthy Paws for comparable options.

VIEW MORE

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.