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Figo Pet Insurance Review 2023

Reviews 1,666
FIGO
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FIGO
FIGO
Excellent
Reviews 1,666
Michael Graw
Nov. 08, 2023
2 min read
Michael Graw
FIGO Summary
Figo is a pet insurance provider that offers customizable policies for dogs and cats. The free quote online allows you to choose your deductible and reimbursement rate. Figo lets you visit any licensed vet worldwide, and offers 24/7 access to veterinary professionals via the mobile app. Claims can be submitted online or via the app, and most are resolved in three days. Figo also offers optional wellness coverage for vaccines, dental, and more.

Pros

  • Customize your deductible and reimbursement rate
  • 24/7 video access to veterinary professionals via app
  • Most claims are paid in three days

Cons

  • Doesn’t pay your vet directly
  • No accident-only plan available
  • Only available for dogs and cats

FIGO at a glance

8.0
Editorial score

Online experience

Great site with learning resources
8.0

Customizable rates and services

Customizable plans and rates, 50-90% reimbursement No upper age limit
10.0

Claims payout waiting period

Days
8.0

Customer support

24/7 communication and a pet hotline available
8.0

Bundles

Multi-pet bundle OR multi-policy bundle
6.0

What Does it Cover

Figo covers accidents, illnesses, and emergency treatments for cats and dogs aged at least eight weeks old. It also covers surgeries, dental illness and injury, cancer treatment, chronic conditions, and hereditary disorders. Holistic and alternative treatments are covered, but behavioral therapy is not.

Pre-existing conditions are not normally covered by Figo. However, some curable pre-existing conditions may be covered if your pet has not experienced symptoms for 12 months since their last treatment.

Figo’s coverage allows you to visit any licensed veterinarian worldwide, including specialists or emergency clinics. All policies include 24/7 live chat and video access to veterinary professionals through the Figo mobile app.

Insurance Plans & Pricing

Figo offers a single insurance plan for dogs and cats, but you can customize your policy according to your pet’s needs.

We got a quote in August 2022 for a three-year-old Border Collie in Texas. A policy with a $100 deductible, a 70% reimbursement rate, and a $10,000 annual coverage limit was quoted at $23.51 per month. A $500 deductible, an 80% reimbursement rate, and a $10,000 coverage limit policy for that same pet was quoted at $18.60 per month. 

We also requested a quote for a two-year-old American Shorthair cat. A policy with a $250 deductible, an 80% reimbursement rate, and a $10,000 annual coverage limit was quoted at $15.23. A policy with a $100 deductible, a 90% reimbursement rate, and a $5,000 annual coverage limit was quoted at $21.18.

Keep in mind that quotes are subject to change and will differ based on location as well as your pet’s age and breed.


Figo also offers several optional add-ons, which they call Powerups. The Wellness Powerup comes with no waiting period, and includes coverage for vaccinations, spaying and neutering, bloodwork, dental, and heartworm medication. For the Border Collie above, wellness coverage was quoted at $9.50 per month for up to $135 in annual coverage or $16.50 per month for up to $250 in annual coverage.

The Veterinary Exam Fees add-on offers reimbursement for exam fees related to covered accidents and illnesses. Finally, the Extra Care Pack offers coverage for burial or cremation, a lost pet reward, vacation cancellation, boarding fees, and third-party liability.

What is Not Covered

Figo does not cover procedures related to breeding or pregnancy. Plans also do not cover behavioral therapies or most pre-existing conditions.

Waiting Periods

Figo has a one-day waiting period for accident coverage and a 14-day waiting period for illness coverage. For dogs, there is also a six-month waiting period for orthopedic coverage. This waiting period may be waived if your dog completes an orthopedic exam within the first 30 days of your policy.

Coverage Limits

Figo lets you choose between $5,000, $10,000, or unlimited annual coverage. 

Reimbursement and deductibles:

Figo offers reimbursement levels of 70%, 80%, 90%, or 100%. You can choose an annual deductible of $100, $250, $500, or $1,000. You must reach your annual deductible before your plan will pay out.

Here’s a breakdown of costs for several pet and coverage combinations. Quotes were obtained in August 2022 for pets in the state of Texas.

Pet
Annual Coverage Limit
Reimbursement Rate
Deductible
Monthly Premium
Three-year-old Border Collie
$10,000
70%
$250$18.60
Five-year-old Australian Shepherd
$10,000
80%
$100$37.13
Two-year-old American Shorthair
$10,000
80%
$100$18.70
Six-year-old American Longhair
$5,000
70%
$750$8.80

Claims and Service

Figo does not pay your vet directly, so you must pay upfront and then submit a claim for reimbursement. You can submit a claim for a covered procedure online or through the Figo mobile app. You just need to submit your bill along with the Figo claims form. Submitting a claim is very straightforward and only takes a few minutes. 

Claims support is available from 8am-5:30pm (CT) Monday-Friday by phone, email, and text message. Figo resolves most claims within three days and sends payment directly to your bank account.

What You Might Like

  • 24/7 video access to veterinary professionals via app
  • Orthopedic waiting period can be waived
  • Customizable quotes
  • Simple and fast claims process
  • No upper age limit for enrolling pets

What Figo Could do Better

  • Doesn’t cover behavioral therapies
  • Wellness add-on is pricey
  • Doesn’t pay vets directly on your behalf

Contact Details and Address

Phone (call or text): 844-738-3446 (Operating hours (all CT): Monday-Friday 7am-7pm, Saturday 8am-6pm, and text support only on Sunday 11am-3pm)

Email: support@figopetinsurance.com

Address: Figo Pet Insurance, 540 N Dearborn, Chicago, Illinois, 60654

Bottom Line

Figo is an online pet insurance provider that offers comprehensive plans for cats and dogs. You can easily customize your coverage to suit your pet’s needs and your budget. All plans include 24/7 access to veterinary professionals and add-ons are available to cover costs related to wellness and exam fees. It’s simple to file a claim online or through the Figo mobile app and most claims are paid in three days.

Methodology

This review is based on information on Figo’s website and quotes obtained using Figo’s online quote tool.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about FIGO
FIGO
Excellent
Reviews 1,666
on
Excellent
71%
Great
6%
Average
5%
Poor
5%
Bad
13%
c
customer
3 days ago
Submitting a claim was so easy
Submitting a claim was so easy. Turnaround time was about 2 days and I had my money. Highly recommend!
D
dan
a day ago
Figo doesn’t pay when you need them
Figo hides important policy information in fine print. Figo did not cover an important surgery my dog needed. They look for ways to get out of paying when pet owners need them most. I make sure to tell everyone I know how sleezy pet insurance is.
c
customer
2 days ago
Claim issues
Had to jump through hoops to file a claim and it was only $75 wellness for teeth cleaning. I afraid to see should something big come up the hassle. I hope not.
S
sylvia v. giustra
3 days ago
Fast resolve on my claims receive my…
Fast resolve on my claims receive my money back in my account beats easy to file claim when l need help someone is always available to help me and my answer our answer right away
P
pey
6 days ago
Everyone is always so knowledgeable at…
Everyone is always so knowledgeable at Figo!
B
bbj
7 days ago
EXCELLENT SERVICE
As a new customer I was extremely pleased with the fast turn around in payment.
c
customer
7 days ago
Takes forever to get claim reviewed
Takes forever to get claim reviewed, had for a year and not 1 cent covered,not sure it's worth it
A
alexis de borghia
8 days ago
Very Happy with Figo
I like the fact that vets are available 24/7 and my claim was handled quickly without any delays or inconveniences
c
customer
9 days ago
All of my submitted claims were denied…
All of my submitted claims were denied without further explanation. Both of my pets were seen at the vet and none of the wellness visits we’re covered. Nothing! At this point I’m tempted to cancel our coverage. Dissatisfied
c
customer
9 days ago
Reasonable cost
Reasonable cost. Prompt processing of reimbursement requests. Easy to use website.
D
david s fuesting elizabeth a clark
9 days ago
FIGO is a life saver literally!!!
FIGO is a life saver literally!!!! In March my fur baby started limping. Took him to vet and found out he needed surgery in his shoulder. Knowing that FIGO would pay as I have an older dog who as well has health issues and FIGO covered all of his bills. I scheduled surgery. I am happy to say surgery was a success and was reimbursed 2 days later a bill mind you that was almost $6000!!!! So if anyone thinking about insurance please get it and call FIGO THEY WILL NOT LET YOU DOWN!!!
D
donna h
9 days ago
Portal is very user friendly
Portal is very user friendly
Q
quynn
9 days ago
Claim process was easy.
Claim process was easy.
R
rcm
11 days ago
Too expensive for what it is
Too expensive for what it is. They fight any claim you make and don’t cover much. They are pretty blunt about letting you know anything you submit they will dig deep in your pets medical to not pay you a dime. I’ve paid them thousands this year for my pets and I’ve had them apply $18 to my deductible. Look elsewhere.
c
customer
12 days ago
Do not know
Have to not used it, so I cannot respond to good or bad service.
N
nancy
14 days ago
Organized and simple to use
Love that's the policy is easier to understand through the app. And that online vets are available. However wish that it was easier to gather the stuff needed for the claims.
L
lloyd
14 days ago
There isn’t a place to say we have used…
There isn’t a place to say we have used your services
T
tori thieman paisley & piper
14 days ago
Quick reimbursements
Quick reimbursements! Amazing 24/7 live chats with vets so you can rule out an emergency vet trip or not. Figo has helped with 2 ACL surgeries for my golden girl and a big abdominal surgery for my mini mutt that was out of state. I will forever be a Figo client! They have saved us THOUSANDS!
c
customer
15 days ago
Wouldn’t do it again
Wouldn’t do it again, price keeps increasing
J
judy gliessner
16 days ago
Illness
You made it easy when my dogs was ill
G
gerald whitman
16 days ago
It is easy to reach a live person and…
It is easy to reach a live person and they have always been very knowledgeable to clearly answer any questions.
J
joseph
16 days ago
By far the BEST pet care coverage!!
By far the BEST pet care coverage!!! I recommend you to all my friends and clients!!! Your level of professionalism and customer care are amazing and exceed my expectation so Thank You!
R
rebecca orlando
16 days ago
Everything that I submitted was…
Everything that I submitted was rejected. I lost faith in it and what this company stands for. It's too bad because I would have stayed with them for the life of my pet. Unfortunately, I am taking my business elsewhere.
c
customer
17 days ago
Czar
Your service is great. Thanks
M
mike m.
17 days ago
Horrible Insurance - Stay Away
Figo does not honor their insurance - and goes out of their way to say no. I took dog to the ER vet for a severely torn toenail. They had to sedate my dog to remove it. Figo denied the claim saying that the ER diagnostic fee is not covered and that the toenail procedure cost was in excess. This is my first claim, and the total bill was around $440. Less my $250 deductible and 80% average, Figo should have paid out about $150. Why have insurance if I can’t use it? This policy was purchased through Costco.
c
customer
17 days ago
No one calls you when there are issues…
No one calls you when there are issues with claim. All my claims keep on getting declined and closed. Never had this experience with a pet insurance
S
susan deichsel
17 days ago
Price-wise
Price-wise, as a Costco member, the price is superior. I haven't actually used the benefits yet, but a friend did and she was very pleased by how well making a claim went.
C
carol
18 days ago
Wow-Quick and Easy!
Wow! My first claim and it was quick as lightning! My dog went in for his annual shots and I sent a photo of the paid bill and within minutes, an email came that I was getting back $50 (of a $75 bill)! Easy peasy!
consumer-image
patti-customer
18 days ago
I have a rescue dog who needed back surgery
I have a rescue dog who needed back surgery about 6 weeks after I got him. I had signed up for Figo insurance the beginning of November 2022. He had surgery the beginning of December 2002. The surgery was close to $10,000. I have never had a problem applying to get payments for anything to do with his surgery. They have always been so easy to work with. I was so glad that I chose Figo.
M
mary clementi
20 days ago
The fact the reimbursement was quick
The fact the reimbursement was quick
D
dk
21 days ago
Very easy both on the app and when…
Very easy both on the app and when speaking with a customer service rep! First week in and ideal thus far-
V
virginia
21 days ago
Great Customer Service and Fast Turn Around!
When looking for pet insurance, I was very thorough about finding the right fit for my 2 cats. I called each company and asked them several questions as I have a special case with my FIV+ cat. The only company that gave me straight answers that made sense and were honest was Figo. They actually care about giving your pet the best coverage at a price you can afford. I added on the basic wellness power up and used it for the first time two days ago and my claim was reviewed and closed in less than 5 minutes. My reimbursement was in my account in 48 hours. Figo is truly the best!
K
kimmi
21 days ago
easy and fast
easy and fast
c
customer
21 days ago
Great customer service and easy claims
Great customer service, quick and easy to file claims and when I did once have to appeal a claim they were communicative and clear. We recommend Figo to everyone!
B
barry
22 days ago
Wonderful
Wonderful! Wonderful! Wonderful!
M
melissa
22 days ago
Filing claims couldn't be any easier…
Filing claims couldn't be any easier and reviewed and payed within hours. So very pleased! Feels good to know my big pup Myles is covered.
L
lorna
22 days ago
Process for submitting claims is easy…
Process for submitting claims is easy and I like having the peace of mind that my pet will be covered in the event of any illness or injury. It remains to be seen how much premiums will increase year over year, however.
S
sara
22 days ago
Very easy
Very easy! Very fast claim reimbursement! Thank you! Will recommend!
K
kristen
24 days ago
Prompt with claims.
Figo is very quick with reviewing claims. I appreciate this.
J
julie
24 days ago
My claims are completed in a timely…
My claims are completed in a timely manner.
B
betsy
25 days ago
First time dog insurance experience
First time dog insurance experience. We have had labs for years and with our new pup we decided to try this new world of pet insurance and so far it has been worth it:). First pet visit to establish care and talk neutering had over half my visit was covered.
consumer-image
susan
a month ago
Above Expectations!
Claims opened and processed quickly after submittal! Claims communications clear and quick! Pet Cloud claims process easy to understand and upload of scanned bills/vet notes quick and easy! While claims instruction notes that first claim payments could take up to 21 days, reimbursement was in my bank account one day after approval! I also used the 'Ask A Vet' service with equally great results. Thanks Figo for being the exception and a great example of true customer service❤️
P
pato
a month ago
So far so good.
Couldn’t be easier to file a claim and it was processed quickly and efficiently. So far I’m very pleased.
A
allie a
a month ago
Best decision I made this year!
I've been using this service for about a year and it has been very well worth the money! The kittens we adopted had recurrent respiratory infections and though they are now under control, I would say the insurance paid for itself! The app is VERY easy to use as far as set up, submitting invoices and receiving the reimbursement payments (which always arrived promptly). Being able to text a vet with additional questions or to get advice is a WONDERFUL feature, and the piece of mind that comes with knowing that I will actually be able to afford what they need to stay healthy is unequivocally the BEST part of having insurance. It has eliminated the most stressful aspect of owning a pet. Thanks a million!
R
roman barrett
a month ago
I filed 2 claims and have never…
I filed 2 claims and have never received a ck to compensate me for the vet visits.
S
shirley
a month ago
Submitting my first claim…
Going thru the process of submitting my first claim was simple with good, clear instructions!
B
barry storms
a month ago
Very easy to file claims
Very easy to file claims
M
m.l.
a month ago
Easy fo understand policy
Easy fo understand policy. Reimbursement fastt and efficient. No fuss.
J
josie rose
a month ago
Quick response and easy. Thx
Just file a claim in figo app and they have quick response and it’s great. Thx
c
customer
a month ago
Prompt response and coverage.
Prompt response and coverage.
C
casey sweeney
a month ago
BEWARE Figo calls EVERYTHING a “preexisting condition” despite no evidence of any conditions and a vet backing up no preexisting conditions
My dog was given a preexisting condition for her entire rear end from 1 vet visit that I asked for doggy Advil to help with recovery after Flyball and agility practice. She didn’t have any pain, vet noted no issues, vet noted no injuries or dog showing any sign of pain. I still don’t understand the preexisting condition my dog has and figo refuses to work with me or actually look into the condition they’re claiming is preexisting. She was seen by multiple rehab vets who also back up that my dog has no injury or any signs of pain yet figo refuses to listen to any of them over one vet noting “PERCEIVED owner discomfort after extreme exertion” vet notes no signs of pain or injury. I never knew a very tired dog was considered pre existing to figo when a vet noted multiple times there’s nothing wrong with the dog
L
ln
a month ago
Good...Could be better
Figo is a good Insurance company that allow us to customize the coverage that our pets need. One thing I would wish is that the Basic Wellness coverage shouldn't be so specific, it is set at $135 per year but it is set to $20 for exams, $30 for vaccines, $40 for Spay/Neuter and teeth cleaning...etc. Why can't you set it just $135 for the whole Basic Wellness for whichever needs. Chances are Microchip, Spay or Neuter is never going to use again since adoption.
c
customer
a month ago
After plenty of research this is the…
After plenty of research this is the best package, and list cost effective. Very helpful and the APP is user friendly.
J
joana marie zoleta
a month ago
Speed and explanation of benefits per…
Speed and explanation of benefits per claim.
L
laurie kresl
a month ago
Easy to use!
It's so easy to use the app to file a claim and keep track of things. Claims are also reviewed quickly and paid out timely.
c
customer
a month ago
Thanks
Your insurance gives us peace of mind.
V
vera
a month ago
Very easy to use
Quick reimbursement very easy to use
N
nicole debernardo napolitano
a month ago
Nothing is ever covered
Nothing is ever covered. No explanation or follow up besides a vague eob.
c
customer
a month ago
Great service
I thankfully haven’t had to utilize my insurance, but having it gives me peace of mind. The website is easy to use, and I feel the coverage is good.
L
lele m
a month ago
Amazing Company!!!
Our 1st puppy well visit was approved within minutes!! I was amazed. I photographed the receipt, uploaded it and was amazed to have approval within 10 minutes. The process was so easy and the automated system walked me right through it was ease. Great service and great app. I highly recommend this company.
G
gindy joan berkeley
a month ago
Costco's FIGO Plan Rules Supreme
FIGO pet insurance will provide payment for a submitted claim within 48 hours. This pet insurance Co is the real deal because they provide excellent coverage If you are not satisfied with their service, you can call them easily and they will adjust your claim. Highly recommend FIGO. Thank you Costco for providing FIGO to Costco customers!
J
jordan
a month ago
So easy and quick!
So easy and quick!
J
james
a month ago
Very fast and easy claims process
Very fast and easy claims process. Would highly recommend for your furry friend!
c
customer
a month ago
No Customer Service
I can’t get a copy of my policy. Absolutely ridiculous and I’ll shop for another insurer.
c
customer
a month ago
One less thing to worry about when you…
One less thing to worry about when you have a sick pet.
L
leslie
a month ago
Quick response
Quick response & quick to process a claim.
consumer-image
elizabeth
a month ago
Keep On Schedule
When we first got our new puppy we wanted to make sure we kept his wellness schedule up to date. We have had some hurdles with several illnesses also here at the beginning too. With FIGO’s Wellness Powerup and their quick turn around times on all the claims we have not been set back financially and have been able to continue to give our new puppy the love and support and wellness that we need to so he can grow up to be a strong and loving dog.
c
customer
a month ago
I made my first claim today
I made my first claim today. The app was easy and convenient. Easy to upload the paperwork that I needed to provide.
L
lina zhitnik
a month ago
It was there when we need it.
Figo insurance is easy to use and simple in explanations. As soon as we met deductibles, insurance reimbursed the rest. I just needed to submit necessary information and documents.
j
joseph ragusa f
a month ago
Jocelyn was very nice
Jocelyn was very nice and took care of my issues.wonderful experience.
S
sharon tini
a month ago
This is my first experience
This is my first experience. As I have questions now since my first claim was not properly handled. I need to educate myself
c
customer
a month ago
Haven’t had to use it yet
Haven’t had to use it yet, only for vaccines and it was easy to get reimbursed.
K
kahlan
a month ago
Amazing!!!
they were so helpful with my claim they responded quick. the claim was completed in less than an hour and I had the checks a week later. The best outcome!
V
vicky
a month ago
Easy to deal with
Easy to deal with; very reasonable premiums.
M
maggie chun cheng
a month ago
sara very enthsiastic to heip me
sara very enthsiastic to heip me
M
melissa ambrose
a month ago
Unclear what is covered and what isn't
Unclear what is covered and what isn't
consumer-image
david simmons
a month ago
Annual Pet Checkup / Awesome App
Awesome and Easy Claims Setup to provide for Vet Bills from App.
K
kathy
a month ago
Claim submission
I didn’t think it was going to be this easy. I know the insurance is geared more toward accidents but the easiness of submitting claim and the turn around time was wonderful.
c
customermia m
2 months ago
Good customer service
Good customer service
c
customer
2 months ago
Great customer service
Great customer service. Very caring and helpful
E
ellie
2 months ago
Fast response to my request
Fast response to my request
c
customer
2 months ago
you were supposed to get back to me
you were supposed to get back to me . I called twice with no response I am cancelling
L
lorna
2 months ago
Great customer service took care of my…
Great customer service took care of my concerns about the surgery on one of my goldens
L
louise
2 months ago
Plain language
Plain language
S
susan wormsley
2 months ago
My dog had eye surgery in both eyes and…
My dog had eye surgery in both eyes and they were prompt in payment once they had all the paperwork.
B
brenda
2 months ago
Super simple
Super easy and simple claim process. Easy to use app.
c
customer
2 months ago
I am thankful that we chose Figo…
I am thankful that we chose Figo for our pet insurance. I submitted two separate claims with the receipt of payment along with my veterinary doctor’s notes. Within day, I got confirmation that my claim was reviewed and payment was made to my account. I appreciate how quick their service was and without hassle. I would totally recommend and have recommended Figo pet insurance to others. Thank you!!
C
christine
2 months ago
My four year old dog had to have spine…
My four year old dog had to have spine surgery. She had no physical therapy on her plan so I was able to get my policy re-written to include rehab.
n
nohemi
2 months ago
Simple easy love the app
Simple easy love the app
c
customerpat
2 months ago
The claim paying process went very…
The claim paying process went very smoothly
c
customer
2 months ago
Absolute Horrible follow up by Figo
My Claim was closed due to a request for records not being provided - but the actual vet records don't exist because no visits were made during the required period that Figo requested. I submitted an inquiry via email and got the automatic "we're working on it for you" email...and then nothing until this review request came into my mailbox.
K
kong
2 months ago
Easy to file claims
Easy to file claims
J
joyce
2 months ago
dogs
my dogs have a happy life
c
customer
a month ago
annual premium increased $135 after one…
annual premium increased 38% ($135) after one year with zero claims. no explanation provided. when i called to review with agent, she could not provide anything specific, just pointed to the fact that CA rates may be higher than other states.... agents are extremely nice and polite, but have had to call multiple times for the same question. have been inquiring for two weeks as to why my "declining deductible" never declined after the first year without any paid claims...
J
jennifer
2 months ago
Submitted my first claim
Submitted my first claim, super easy and quick turnaround.
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margaret
2 months ago
First-time Figo customers!
I have had another insurance company for more than 15 years. We just got a new puppy and decided to give Figo (through Costco) a try. So far, so good! I submitted a wellness claim from our first visit, and it was processed within hours of submission! It was a very easy process as well.
j
joyce faragasso
2 months ago
Happy with Figo!
The company is awesome. Cant say enough good things about it. Helpful and great customer service.
C
christie
2 months ago
Figo is great-10/10 recommend
Figo is great. It’s easy to submit a claim, and claims are reviewed/processed at a good pace. They had lots of customizable options for securing a plan within your budget. The ability to text with an e-vet is also a game changer. That feature alone has saved us lots of money by avoiding unnecessary visits to our local vet.
G
goldenmom
2 months ago
Every year our insurance goes up by…
Every year our insurance goes up by almost $20 a month. Our dog just turned 5 and it’s almost $90 a month. Can’t imagine how much we’ll be paying when she’s *actually* old. And of course, I can’t shop around because now she has pre-existing conditions, like allergies.
S
susan cleary
2 months ago
So far, so good.
I haven’t had to use the insurance yet. But on my first anniversary with Figo my premiums we lowered on both of my two Doxie pups and that is wonderful during these inflationary times!