To sustain this free service, we receive affiliate commissions via some of our links. This doesn’t affect rankings. Our review process.
Figo is consistently among the least expensive pet insurance providers based on reader feedback and our own test quotes. But does it offer similar coverage as some of the more costly pet insurance companies? Will Figo cover accidents and illnesses for your pet during an emergency?
Article Overview
Figo Pet Insurance
Pros
- Annual deductible (not per incident)
- BBB rating: A
- Claims are typically paid within 5-7 business days
- Vet exam fee can be covered for an additional cost
- App available to support claims via iOS and Android
- Covers advertising lost pets, canceled vacation due to pet illness, etc
Cons
- 6-month waiting period for knees (waived if vet exam during first 30 days shows no pre-existing knee conditions)
- 5-day waiting period for accidents and 14-day for illnesses
- If there is a knee injury prior to enrollment or during the 6-month waiting period, Figo only covers CCL (ACL) on a second leg if the first leg remains healed for 12 months
- One-time $9 admin fee + $2/mo or $10/annual fee (waived if ACH setup w/bank)
- No wellness plan
Key Features
- Underwriter: Markel Specialty
- A.M. Best rating: A
- No exam required
- Pre-existing conditions defined by Figo:
- A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period (See Section H.2.). If you cannot provide medical records showing your pet’s annual health exam by a vet occurring within the twelve (12) months prior to the effective date of this policy, the first documented veterinary examination after the effective date of the policy will be used as the basis for determining any pre-existing condition(s).
- Bilateral exclusions (a condition or disease that affects both sides of the body): cruciate and soft tissue injuries to one knee prior to the effective date or during the first 6 months of the policy
- Processes a majority of claims within 5-7 business days (closes nearly half in 24 hours), and you can submit them via app, fax, email or mail
- Direct deposit reimbursement is available
- Pet Cloud app reminds you of upcoming vet appointments, gives you popular pet places around you, access to 24/7 live vet, file a claim, meet pets near you and more
- Customer service hours:
- Phone, text, chat, email, fax, Facebook Messenger or Twitter: Monday – Friday 8am to 7pm CST and Saturday 8am to 6pm CST
- Text only: Sunday 11am to 3pm CST
What Does Figo Cover?
Here’s a list of services that Figo covers and does not cover (as of January 2019). Services included are not limited to this list and are subject to change.
| Covered | Not Covered |
|---|---|
| Vet exam fee (optional) | Pre-existing conditions |
| Emergency and hospitalization | Routine or preventative care |
| Surgery | Spaying or neutering |
| Hereditary and congenital conditions | Training classes and devices |
| Prescription medication | Grooming |
| Cancer treatment | Breeding, pregnancy or giving birth |
| Specialty care | Eating disorders |
| Chronic conditions | |
| X-rays, MRI's, cat scans, ultrasounds, bloodwork | |
| Ligament and knee conditions (after 1 year waiting period) | |
| Hip dysplasia (after 1 year waiting period) | |
| Rehabilitation (optional) | |
| Prosthetic and orthotic devices | |
| Physical therapy (optional) | |
| Holistic and alternative therapies (optional) | |
| Stem cell therapy | |
| Non-routine dental (limited to being related to accidents only) | |
| Costs of euthanasia | |
| Behavioral therapy |
Does Figo Cover Hip Dysplasia?
Hip dysplasia that first shows signs/symptoms after the 14-day waiting period for illness may be eligible for coverage.
How Much Does Figo Cost?
Figo offers a variety of deductible options ($100, $200, $250, $500 and $750) as well as reimbursement selections (60%, 65%, 70%, 80%, 90% and 100%). Figo is the only provider we’ve reviewed to offer a 100% reimbursement option. Please know that all of the deductible and reimbursement options are not available in every state.
Below is a table showing examples of quotes from Figo. You can put your pet’s information directly into its site to get a better estimate for your pet (use our link below for the best discount).
| Breed | Labrador Retriever | English Cocker Spaniel | German Shepherd | Yorkshire Terrier | Yorkshire Terrier | Yorkshire Terrier | Mixed Breed Cat |
|---|---|---|---|---|---|---|---|
| Male/Female | Female | Female | Male | Male | Female | Male | Female |
| Age | 2 years | 8 years | 4 years | 6 years | 2 months | 2 months | 2 years |
| Location | Florida (zip code: 33134) | Illinois (zip code: 60290) | California (zip code: 90001) | New York (zip code: 10001) | New York (zip code: 10001) | Illinois (zip code: 60290) | Washington D.C. (zip code: 20001) |
| Price Per Month | $62.09 | $68.68 | $64.85 | $67.06 | $43.16 | $29.18 | $23.48 |
| Reimbursement Level | 80% | 70% | 90% | 80% | 80% | 80% | 80% |
| Annual Deductible | $250 | $500 | $500 | $250 | $250 | $250 | $250 |
| Annual Limit | Unlimited | Unlimited | $10,000 | $10,000 | $10,000 | $10,000 | Unlimited |
You can get personalized price quotes for your pet(s) from reputable companies when you fill out just 1 short form. You can also visit our Pet Insurance Quotes page to see how the cost of Figo stacks up against the competition.
Coupon
Our readers have access to an exclusive 5% off a new FIGO pet insurance policy -just use this link to get started.
Waiting Periods
- 5 days: Accidents
- 14 days: Illness
- 6 months: Cruciate ligament events and knees (can be waived if your vet conducts a healthy knee exam within 30 days of new policy — vet needs to specifically note in the medical records that the knees are healthy and have no existing issues)
- 14 days: Hip Dysplasia
What Do People Think Of Figo?
Positive Reviews
I cannot rave about figo enough. Super easy to file a claim on their app and they get back to you in a few days. They have helped me cover all my fur baby’s expenses without any issues and I feel very confident that my pets are covered from snout to tail. – Victoriya S., Yelp 12/7/2018
FIGO is a great pet insurance company. They have a great online system for keeping track of all documents for our dog, from immunizations to annual vet visits. Whenever we have had to file a claim, they have been very responsive and have settled everything quickly. – Jan, TrustPilot 1/5/2019
Negative Reviews
I am so disappointed with Figo Insurance. My friend and I both adopted dogs at the same time, and both got Figo Insurance. Since we got our puppies, EVERY CLAIM for both dogs (with different ailments) are DENIED. They are two different policies. My puppy had worms, took the antibiotics and took another sample and was CLEARED. (i didn’t put that claim in because it was before insurance). THREE months later, my puppy has worms and they are stating it was a pre-existing condition. UMMMM no, Unfortunately, she contacted them again!!!! Thank god I did month to month, so I can get different insurance ASAP. – Maria N., Yelp 1/8/2019
The worst insueance company the r a scam they take ur money and when u have an emergency and need to put a claim in they dont want to cover it. – Riley, TrustPilot 12/5/2018
Is Figo The Best Pet Insurance?
Figo is one of the more affordable options, and it offers comparable coverage to other top pet insurance companies. We’ve compared Figo against other top pet insurance companies and ranked our top 3 in our Pet Insurance Reviews. You can see if Figo made our top picks and which companies we feel are the best.
Would you cover your pet with Figo pet insurance?
Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.
I’ve had a terrible experience with Figo. It came highly recommended through a friend so I signed up and became a member in mid 2018.
During Christmas 2019, my dog, who had been perfectly healthy all her life throughout all her vet visits, started coughing strangely and we found specks of blood on her snout. We quickly took her to the vet and had the clinic send the insurance claim for the veterinary bills.
The whole process took over 2 weeks with Figo closing, re-opening my claim, disappearing for days and requesting more and more my pet’s previous records since her birth..
I managed to send them all the records from vets we had visited which clearly shows that *Karlie had no know issues.*
And once all seems to be set, all my claims were denied and not a single cent was covered with Figo using ‘pre-existing conditions’ for all her expenses regarding this new symptom thatstarted in Dec 2019. I felt robbed knowing that my healthy dog has never had any issues before and having had Figo insurance for 2 years, they won’t cover anything by claiming her condition was pre-existing while it was only discovered 2 weeks ago by the vet, after 1.5 years after being a Figo customer.
At the end of the day, I feel robbed by Figo. It’s not what I expected it would be.