Figo pet insurance review 2025

Figo score: 2.7 out of 5 stars

Figo gives a stable vary of protection, though there are a few downsides. You’ll have to purchase “Powerups” so as to add protection for vet examination charges and various care (similar to acupuncture, chiropractic, and magnet remedy). Figo’s common prices are additionally excessive, coming in at 14% above common in our analysis.

However Figo does have some pluses to contemplate. It’s the one pet insurer in our evaluation with a 100% reimbursement possibility out there, though you possibly can’t get the limitless annual coverage with 100% reimbursement. Figo additionally has a low $100 deductible possibility in case you’re trying to hold out-of-pocket prices minimal, however you possibly can’t mix it with the 100% reimbursement degree.

If you happen to’re fearful about exclusions for preexisting situations, Figo has a bonus if the situation is curable. If the pet’s situation has been cured and there have been no signs or remedy for 12 months, the situation will not be excluded from protection. (This doesn’t apply to ligament and knee situations.)

Be taught extra: How does pet insurance coverage work? An entire information.

Professionals

• Diminishing deductible characteristic reduces your deductible by $50 every consecutive yr you haven’t any claims till it reaches $0

• Behavioral remedy is roofed, however solely as much as $500 a yr

• Contains protection for dental sickness like gingivitis and periodontal illness

• Prescription meals might be lined in case you purchase the Powerup for vet examination charges

• Covers euthanisia

• 5% army low cost out there

Cons

• Annual most restrict decisions: $5,000, $10,000, limitless

• Deductible decisions: $100, $250, $500, $750

• Reimbursement decisions: 70%, 80%, 90%, 100%

• For accident protection: 1 day (waived in some states)

• For sickness protection: 14 days

• Particular ready interval: 6 months for cruciate ligament points in canines. This may be waived if the canine passes an orthopedic examination (guidelines range by state).

• Minimal pet age: 8 weeks

• Most pet age: None

Figo’s complete pet insurance coverage coverage covers a broad vary of potential issues. It doesn’t supply an accident-only coverage, however you possibly can add a wellness plan to assist pay for routine care bills like vaccinations.

Be taught extra: Does pet insurance coverage cowl vaccines?

Figo’s accident and sickness coverage

• Hereditary and congenital situations

• Most cancers

• Diagnostics similar to X-rays, CT scans, and ultrasounds

• Dental accidents and diseases

• Behavioral remedy for points similar to aggression, nervousness, and harmful habits

• Prescribed drugs

• Euthanasia (when essential for humane causes)

Figo’s Wellness Powerup will provide you with protection for:

Figo doesn’t cowl any preexisting situations aside from curable situations. It defines a preexisting situation as one among these:

• A power situation noticed by you or a vet previous to the plan begin date or earlier than the tip of the ready interval

• An sickness or damage that first occurred or confirmed signs inside the 12 months previous to the coverage begin date or earlier than the tip of the ready interval

• An undiagnosed situation with the identical medical indicators as these above

Figo will cowl curable preexisting situations in case your pet has been symptom-free and treatment-free for at the least 12 months previous to the plan begin date. This does not apply to ligament and knee situations.

Figo prospects get entry to a 24/7 vet helpline with limitless use. When you’ve got questions on your pet’s well being, habits, or an emergency difficulty, you possibly can chat reside with a veterinary skilled at any time by means of Figo’s Pet Cloud cellular app.

Be taught extra: Your information to what pet insurance coverage covers

Figo pet insurance coverage doesn’t cowl bills similar to:

• Preventative care, like wellness exams and vaccines

• Rehab and bodily remedy

• Vet examination charges (except you add separate protection)

• Holistic and various therapies

• Behavioral issues

• Air ambulance and non-emergency pet ambulance transportation

• The price of disposing of a pet’s stays, except you add Last Respects protection

• Boarding

• Beauty and elective surgical procedures

• Accidents or diseases brought on by negligence or endangerment of your pet, similar to organized preventing

• Medical prices that come up from ignoring a vet’s really useful remedy

• Grooming

• Pure dietary supplements and nutritional vitamins

• Diseases that would have been prevented by a vaccine really useful by your vet, however that you just refused

• Being pregnant and breeding

• Vet home calls, except the vet says it was important in an emergency

• Remedies associated to parasites similar to heartworms, fleas, and ticks except there was no preventive drugs for the parasite.

• Will increase. You possibly can enhance your protection when your coverage renews. You possibly can solely add a Powerup (further protection packages), similar to wellness protection, on the time of renewal. If you happen to enhance your protection, it’ll reset the ready durations and preexisting situation exclusions.

• Decreases. You possibly can lower your coinsurance, deductible, and plan at any level through the coverage interval. Nonetheless, you possibly can solely drop non-compulsory endorsements when your plan renews.

We discovered that Figo’s common pet insurance coverage premium is way greater than a lot of its rivals.

Primarily based on our analysis, Figo’s common charges are 14% greater than the common for a coverage with $5,000 in protection.

Be taught extra: Is pet insurance coverage price it? The way to determine.

For a coverage with limitless protection, Figo’s charges had been 14% above the common in our evaluation.

Sure, Figo affords a 5% multi-pet low cost whenever you insure multiple pet. Most pet insurance coverage corporations supply a multi-pet low cost of 5% or 10%.

No, Figo doesn’t have a system for paying vets immediately. It operates on a reimbursement mannequin the place you pay the vet invoice after which submit your bill for reimbursement.

Be taught extra: Pet insurance coverage that pays the vet immediately

Right here’s learn how to file a pet insurance coverage declare with Figo:

• Submit a declare on-line. The quickest method to submit a declare is thru the Figo Pet Cloud app or their web site. Choose the “Claims” icon, then reply the questions and connect a replica of your paid bill. The ultimate step is to have your vet ship Figo your pet’s medical data to allow them to confirm remedy.

• Different methods to submit a declare. If you happen to desire, you possibly can obtain the declare type and electronic mail it to claims@FigoPetInsurance.com or fax it to 773-966-0769.

You possibly can name the customer support group at 844-738-3446 for assist with claims.

To get reimbursed, you will need to submit a declare inside 180 days from the date of the vet go to.

Figo will reimburse you for accepted vet claims inside 30 days of receiving documentation, however the firm says that almost all claims shut in lower than three enterprise days. You possibly can select to get reimbursed with a paper examine or an ACH deposit.

Figo’s Pet Cloud cellular app means that you can file claims, chat with a licensed veterinary skilled 24/7, retailer digital vet data, join with different pet dad and mom, and extra. Customers give the Pet Cloud app good evaluations.

Figo cellular app rankings:

Be taught extra: The perfect pet insurance coverage corporations

Figo doesn’t require a vet examination to purchase its pet insurance coverage.

Right here’s learn how to get in contact with Figo’s customer support group:

• Name 844-738-3446 or textual content 844-262-8133 Monday by means of Friday (7 a.m to 7 p.m. CT) and Saturday (7:30 a.m. to 4 p.m. CT)

• Figo’s fax quantity is 773-966-0769

• E mail assist@figopetinsurance.com

To cancel Figo pet insurance coverage, name, electronic mail, or write to the corporate. If you happen to cancel the coverage inside the first 30 days and also you haven’t filed any claims, you’re entitled to a full refund. After 30 days, refunds are calculated on a every day professional rata foundation.

Amy Danise and Tim Manni edited this text.

We researched the protection particulars and costs for 15 pet insurance coverage. We then weighted classes, and every pet insurer was scored relative to the others to search out one of the best pet insurance coverage corporations. Listed below are the components we included.

Protection sorts: 40% of rating. We examined the protection supplied by the bottom coverage with out the additional price of add-ons. This encompassed protection for various remedy, behavioral remedy, dental sickness, euthanasia or end-of-life bills, unique pets, hereditary and congenital situations, preexisting situations, prescription meals and dietary supplements, veterinary examination charges, and promoting/reward for misplaced/stolen pets.

Common price: 30% of rating. We evaluated prices in 5 states for $5,000 and limitless protection for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Limitless protection possibility: 10% of rating. We gave factors when pet insurers provided a limiteless annual restrict (or a $100,000 restrict), which supplies pet homeowners essentially the most sturdy monetary safety attainable within the occasion of a catastrophic pet medical difficulty.

Direct funds to the veterinarian: 5% of rating. We gave factors to pet insurers that state on their web sites that they accommodate direct vet funds.

No particular ready durations for particular situations: 5% of rating. We gave factors when pet insurers haven’t any ready durations for particular situations, similar to cruciate ligament situations.

Routine wellness plan: 5% of rating. Corporations that supply a routine wellness plan along with pet insurance coverage obtained factors.

Multi-pet low cost: 5% of rating. We gave factors when pet insurers provided a reduction for insuring a number of pets.