Figo pet insurance received a rating of 3.4 out of 5 stars in a recent analysis. The company provides a solid range of coverage, including one of the only 100% reimbursement options available among pet insurers studied, though this cannot be combined with an unlimited annual policy. A low $100 deductible is offered for those seeking to minimize out-of-pocket costs, but it is not available with the 100% reimbursement level.
Customers must purchase "Powerups" to add coverage for veterinary exam fees and prescription food. Figo's average premiums are higher than some competitors.
The insurance includes a diminishing deductible feature and covers behavioral therapy up to $500 annually. Dental illnesses such as gingivitis and periodontal disease are covered, as is euthanasia. A 5% military discount is available.
Drawbacks include high average costs and the need for add-ons to cover vet exam fees and prescription food.
Policy basics offer annual maximum limits of $5,000, $10,000, or unlimited. Deductible choices are $100, $250, $500, or $750, with reimbursement options at 70%, 80%, 90%, or 100%. Waiting periods are one day for accident coverage and 14 days for illness coverage. A special six-month waiting period applies for cruciate ligament issues in dogs, which can be waived if the dog passes an orthopedic exam, with rules varying by state.
Pets must be at least eight weeks old to enroll, with no maximum age restriction.
Figo's comprehensive policy covers hereditary and congenital conditions, cancer, diagnostics like X-rays and CT scans, dental accidents and illnesses, behavioral therapy for issues such as aggression and separation anxiety, prescription drugs, and euthanasia for humane reasons. It does not offer an accident-only policy, but a wellness plan can be added for routine care like vaccinations.
The Wellness Powerup covers routine exams, spaying and neutering, dental cleaning, vaccines, blood tests, microchipping, and deworming.
Preexisting conditions are not covered, except for curable conditions if the pet has been symptom-free and treatment-free for at least 12 months prior to the plan start date. This exclusion does not apply to ligament and knee conditions.
Customers have access to a 24/7 veterinary helpline through the Pet Cloud mobile app.
Exclusions include preventative care, rehabilitation, vet exam fees without add-ons, air ambulance services, pet remains disposal, boarding, cosmetic surgeries, injuries from negligence, costs from ignored treatment recommendations, grooming, supplements, illnesses preventable by refused vaccines, pregnancy, non-emergency vet house calls, and parasite treatments unless no preventive medicine exists.
Coverage can be increased at renewal, which resets waiting periods and preexisting condition exclusions. Decreases in coinsurance, deductible, or plan can occur anytime, but optional endorsements can only be dropped at renewal.
Average premiums are higher than some competitors. For a $5,000 annual limit, the average cost is $98.53 per month. Rates for unlimited coverage are also above average.
A 5% multi-pet discount is offered for insuring more than one pet.
Figo operates on a reimbursement model and does not pay veterinarians directly. Claims can be submitted online via the Pet Cloud app or website, by email to [email protected], or by fax to 1-773-966-0769. Customer service can be reached at 1-844-738-3446 for assistance.
Claims must be submitted within 180 days of the vet visit. Reimbursement for approved claims occurs within 30 days of documentation receipt, with most claims closing in under three business days. Payment options include paper checks or ACH deposits.
The Pet Cloud mobile app allows claim filing, 24/7 veterinary chats, digital record storage, and community connections. It has ratings of 4.8 stars on the App Store and 4.4 stars on Google Play.
No veterinary exam is required to purchase insurance, but medical records from the past 12 months are needed for the first claim. Customer service can be contacted by phone at 1-844-738-3446, text at 1-844-262-8133, fax at 1-773-966-0769, or email at [email protected] during specified hours.
Policies can be canceled by calling, emailing, or writing to the company. A full refund is available if canceled within the first 30 days with no claims filed; after that, refunds are pro-rated.