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Figo Review

Monday, April 15th

2024 Pet Insurance Company Reviews

Figo Review 3 Star Rating


3 Star Rating
  • Only dogs and cats
  • Pre-existing conditions covered if deemed curable
  • Reimbursement of up to 100%
  • Optional add-ons to basic coverage

Chicago-based Figo will let you see a licensed vet anywhere in the world, so you don't have to worry about your pet care being covered when you travel with them. You can choose optional wellness care, an Extra Care package for lost pets or end-of-life care, or have the vet's exam fees covered, which is not a common inclusion. There's a 24/7 help line so you can chat with a vet at any hour, and the app has quite a few helpful features.

Understand what's covered

Figo's standard policy covers surgeries, vet specialists, prescriptions, dental illness and injury, and cancer treatments. Emergency care, hospitalization, diagnostic testing, congenital and hereditary conditions, and chronic conditions are also covered. If your pet has a curable pre-existing condition, it can be covered if there haven't been symptoms within the past 12 months.

What's not covered is what you'd expect

Pre-existing conditions aren't covered under most companies' policies, but Figo covers those that are curable, not the incurable ones. Pregnancy, cosmetic surgery, experimental procedures, and most parasites aren't covered.


  • Dogs start around $31 per month (for a one-year-old mixed breed)
  • Cats start around $21 per month (for a one-year-old American short hair)

Fees may be applied for sign-up

There may be a one-time administration fee depending on your state. Some other pet insurers also have this feature, some do not.

Choose your coverage

Although there's one basic policy, you can choose your premium. Select your reimbursement, from $70 to $100, your deductible from $100 to $750, and your maximum annual coverage from $5,000 to unlimited, and your premium will adjust accordingly. Be aware that your pet's age, gender, and breed will also affect your policy premium.


Figo offers quite a few add-ons for your coverage. Choose Wellness (about $10 to $17 per month) if you want spaying/neutering, dental cleanings, vaccinations, and routine blood work covered. Choose Exam Fees (about $7 per month) if you want exams for new illness or injury covered, prescription food for a specific illness, or behavioral treatments covered. Choose the Extra Care Pack (about $7 per month) for cremation and burial, lost pet advertising and reward, boarding fees, pet theft costs, and third-party property damage by your pet.

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Nice features

If your cat or dog is hurt or ill during non-business hours, or if you just want a consult before going to the vet, Figo offers 24/7 access to licensed vets to help your pet stay healthy and give you peace of mind. Most companies don't insure older pets, but Figo doesn't have an older-pet age limit.

The app can be helpful

Their app can help you manage your fur baby's wellness. You can set up healthcare reminders, chat with a vet 24/7, view the medical records, file claims, and track your claim's status. It also helps you find pet hotels, day cares, groomers, pet-friendly restaurants, and emergency pet hospitals.

Waiting period varies by state

Most pet insurance companies have a waiting period, which is the time between when your policy starts and the time you can make a claim. Figo is no exception. Although there's normally a certain standard waiting period, Figo's depends on the state, but should be three days for injury, fourteen for illness, and six months for a dog's orthopedic issues.

Discounts for multiple pets and no claims

There are two discounts with Figo: 5% multiple-pet discount and $50 per year if there's no claim payment that year.

Money-back guarantee

Figo has a 30-day money-back guarantee if you haven't made a claim. We find 30 days to be a little tight as within those 30 days there's the waiting period where you can't make a claim - in other words, there's no chance to test it out. Administrative fees aren't refundable.

Customer feedback is positive

Figo offers a pretty complete app, which makes it easy to track your pet's health, chat with a vet 24/7 especially if it's outside business hours, and track your claim. People love that with the app you can find resources for your pet such as pet-friendly restaurants, even while on the road.

It's good, but costly

Figo offers a wide variety of coverage, but it comes at a cost. Even their basic coverage costs more than most. We do like that there's optional cremation and burial coverage, pet theft and loss coverage, and third-party damage liability. We also like that you can select unlimited maximum coverage per year. All of this is great, but you can hear the cha-ching each time you choose an add-on or special feature such as unlimited max benefits. Figo is great if you've got the money, but many pet owners will find this pet insurance to be cost-prohibitive.

Which Pet Insurance is the Best?

We love our fur babies and want to help them live as long and as healthy as possible. Pets take daily care, and they also require vet visits, whether for wellness, to update vaccinations, if they are ill or in an accident. Veterinarian bills can be expensive, so many owners have chosen pet insurance.

Pet insurance has only been around since 1982, so if you don't know much about it, that's understandable. Pet insurance can be similar to human health insurance where you can see a provider for wellness visits, illness, or accidents. There are in-office visits, telehealth, and 24/7 availability for answering questions.

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
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Continued from above...

However, you should be aware of some essential differences between human health insurance and pet insurance. The vet doesn't file a claim, like your own provider would. You pay the vet bill, submit the claim online or on your phone, and then you're reimbursed by the insurance company - the vet doesn't get involved. Wellness care can be an add-on rider to cover a routine exam, vaccinations, spay/neuter, teeth cleaning, and so on.

Although accidents are the most common to be covered, many companies don't cover illnesses such as diabetes, allergies, or infections. Younger pets may cost less to insure, but that will greatly increase as they age; and when they are elderly, the company may even drop the coverage, so be sure to ask about aging pets, even when your pet is young. You can choose your deductible, copay, max annual reimbursement, and optional add-ons. Find out what coverage they recommend for your breed, and ask about multiple-pet or other discounts.

More dogs have pet insurance than any other animal, and the rate for cats is about half that of dogs. Owners of indoor cats might think they don't need pet insurance, but older felines can have chronic or recurring conditions which might require costly care or frequent vet visits.

While you might not expect your pet to become ill or have an accident, those vet bills can be quite costly, especially if a procedure, surgery, or ongoing care is needed. Unless you're budgeting in anticipation of these, pet insurance could be quite the relief for when you need it. If you have an older pet or pet prone to certain conditions, prices can vary greatly between companies, so we suggest getting quotes from a couple of your favorite companies before you make your final decision. In addition, even if you are getting a puppy or kitten, ask about coverage and premiums as if they were older so you get a look into the future.

When choosing which pet insurance provider is right for you, here are a few things to consider:

  • Your pets and their age(s). You may have a cat or dog now, but if there's a possibility of someday adding a hamster, bird, or turtle, will your pet insurance cover the exotic pet? Is there a multiple-pet discount? As your pet ages, he might be prone to diabetes, accidents, and more-frequent office visits, so be sure to ask if coverage lessens, gets more expensive, or even stops with these conditions.
  • Reimbursement. If you have a pet that might require a lot of medical bills, you should consider a plan with up to 100% covered on the vet bills.
  • Choice of vet. Similar to a human's health insurance, your pet's health insurance company may have in-network vets and others that are out-of-network that they won't cover fully or at all.
  • In-office or at home. Typical plans will offer in-office visits. You should consider telemedicine, in-home care, or availability in other countries if you plan on traveling.
  • Pre-existing conditions. See if your potential pet insurer will look at your pet's medical record to find out upfront if there are any pre-existing conditions that wouldn't be covered, so there are no costly surprises. Do this even before you purchase.
  • Type of plan. You might want your insurance to cover more than just routine vet visits. Consider accidents, wellness care, routine care, preventative care, behavioral treatment, and alternative therapies. Your pet could have better health coverage than you!
  • Discounts and rewards. Some companies will give a multiple-pet discount, and others offer rewards for wellness and routine care.
  • Helpline. Whether you're new to owning a pet, have a different breed than you're accustomed to, or just worry about your pet, some insurance companies are available 24/7 for help or even for telehealth visits.

TopConsumerReviews.com has reviewed the best pet insurance companies available today. We hope this information helps you to get the best pet insurance for your fur baby so they can be well cared for in a long, happy, and healthy life!

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