Figo pet insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Published 6:00 a.m. UTC May 6, 2024
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Pros
- Up to 100% reimbursement available, but only if you don’t choose unlimited coverage.
- No upper age limit for enrollment.
- Multiple deductible options, from $100 to $1,500.
Cons
- 6-month waiting period for orthopedic problems, but can be waived.
- Veterinary exams not covered without a rider.
- Treatment for behavioral problems not covered without a rider.
Why trust our pet insurance experts
Our team of pet insurance experts evaluates hundreds of pet insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 4,000+ pet insurance rates reviewed.
- 500+ coverage details evaluated.
- 5 levels of fact-checking.
About Figo pet insurance
Figo was launched in 2015, offering accident and illness pet insurance for cats and dogs. Policyholders can also access Pet Cloud, which connects you with other pet owners wanting to meet up for activities and helps you find pet-friendly businesses in your area.
Figo pet insurance reviews are mostly positive, though some have frustrations with claims denials and the appeals process. While pet insurance policies are similar among insurers, there are exclusions you should pay attention to before purchasing a policy, so there aren’t any surprises on what’s covered and what’s not.
Figo pet insurance rates
Figo pet insurance rates depend on your ZIP code, coverage choices and your pet’s age and breed. The table below shows sample rates for dog breeds averaged across 25 ZIP codes.
| DOG BREED | WITH $5,000 ANNUAL COVERAGE | WITH UNLIMITED COVERAGE |
|---|---|---|
Small mixed breed
| $26
| $39
|
Medium mixed breed
| $31
| $47
|
Large mixed breed
| $35
| $53
|
Beagle
| $40
| $60
|
Bulldog
| $74
| $110
|
Dachshund
| $24
| $37
|
French bulldog
| $63
| $95
|
German shepherd
| $45
| $68
|
Golden retriever
| $40
| $60
|
Labrador retriever
| $45
| $67
|
Poodle
| $35
| $53
|
Rottweiler
| $73
| $109
|
Source: Petinsurer.com. Rates are based on the average monthly cost of pet insurance for dogs at ages 3 months and 3 years, with a $250 deductible and 80% reimbursement level.
What Figo pet insurance covers
Buying pet insurance from Figo gives you coverage for accidents and illnesses. This comprehensive pet insurance coverage will usually cover expenses for:
- Accidents.
- Alternative and holistic treatments.
- Cancer treatments, like chemotherapy and radiation.
- Chronic conditions that aren’t pre-existing.
- Congenital and hereditary disorders.
- Dental injuries or illnesses.
- Emergency vet care.
- Surgeries.
- Veterinary specialist treatment.
Figo Powerups
Figo offers additional coverage options called Powerups that pet owners can add to their plan for an extra cost.
Veterinary exam fees for accidents and illnesses
This Powerup covers veterinary exam fees for your pet’s accident and illness visits, which otherwise would not be covered by your Figo pet insurance.
Wellness and preventative coverage
With this Powerup, Figo will cover preventative and wellness care for your pet. Figo offers two tiers, basic and plus, that have the fixed coverage amounts shown below.
| CATEGORY | BASIC COVERAGE | PLUS COVERAGE |
|---|---|---|
Deworming
| $10
| $10
|
Microchip or health certificate
| $15
| $30
|
Testing
| $20
| $45
|
Wellness exam
| $20
| $40
|
Vaccines
| $30
| $50
|
Spay/neuter or dental cleaning
| $40
| $75
|
Extra care pack
The Extra Care Pack Powerup provides several benefits that you may find valuable:
- Advertising and reward. Up to maximum annual policy benefit.
- Final respects benefit. Up to $250 for burial or cremation expenses.
- Vacation cancellation. Up to maximum annual policy benefit if your pet requires life-saving treatment and you need to cut your vacation short.
- Boarding fees at a licensed kennel if you’re hospitalized.
- Pet theft for loss or straying. Up to $150 if your pet isn’t found within 30 days.
- Third-party property damage liability. Up to $10,000 per policy period for property damage your pet causes and you’re held liable for.
What Figo pet insurance doesn’t cover
There are specific procedures and conditions that Figo pet insurance doesn’t cover, such as:
- Breeding, pregnancy and birthing.
- Cloned pets or cloning procedures.
- Cosmetic or elective surgery.
- Experimental procedures.
- Pre-existing conditions.
Curable pre-existing conditions, like diarrhea and ear infections, may be covered if your pet doesn’t show any signs or symptoms within a year of their last treatment.
Figo pet insurance discounts
There are two Figo pet insurance discounts you may be eligible for:
- Mutlipet. Pet owners who enroll two or more pets automatically receive a 5% discount.
- Military. There is also a 5% military discount available in most states, except Florida, New York, Tennessee and Washington.
Figo vs. competitors
| PET INSURANCE COMPANY | OUR RATING | AVERAGE MONTHLY DOG INSURANCE | AVERAGE MONTHLY CAT INSURANCE | Learn More | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $44 | $25 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $59 | $32 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $52 | $23 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $46 | $27 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $76 | $47 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $47 | $43 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
 Paw Protect | $77 | $47 | See Plans Via Comparecoverage.com | |||||||
|
Source: PetInsurer.com. Average monthly pet insurance cost assumes unlimited reimbursement (or the highest level offered by that company), a $250 deductible and a 80% reimbursement percentage for a dog insurance accident and illness plan. These top-rated pet insurance company rates are based on the average cost to insure dogs and cats of various ages, breeds and ZIP codes.
Methodology
To find the best pet insurance, we analyzed 15 pet insurance companies using data provided by PetInsurer.com.
Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:
- Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for dogs with the highest level of coverage available, a $500 deductible and a 90% reimbursement percentage.
- Annual coverage limits: 10 points. Pet insurance companies that offer an annual reimbursement level of $100,000, or unlimited annual coverage scored in this category.
- 24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.
- Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored full points. Wellness plans can reimburse you for preventative care for your pet.
- Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add on, the insurer received 5 points.
- Multipet discount: 5 points. Pet insurance companies that offer a discount for insuring more than one pet received full points.
- Euthanasia or end of life expenses included: 5 points. If euthanasia or other end of life expenses are covered in pet insurance plans, a pet insurance company scored in this category.
Figo pet insurance review FAQs
Yes, Figo has waiting periods before covering your pet’s eligible veterinary care:
- There is a one-day waiting period for accidents and a 14-day waiting period for illnesses.
- For hip dysplasia and other orthopedic conditions, there is a six-month waiting period.
- If your pet has a curable pre-existing condition, it will be eligible for coverage on those conditions if it goes 12 months without receiving treatment.
Figo pet insurance will cover dental injuries and illnesses under its comprehensive pet insurance plan. Dental cleanings are only covered if you purchase the extra wellness and preventative care coverage Powerup.
No, Figo pet insurance does not cover pre-existing conditions, which is any condition your pet was diagnosed or treated for in the 12 months before purchasing your Figo pet insurance policy. Figo does make an exception for curable pre-existing conditions, like bladder, ear, respiratory or urinary tract infections, diarrhea or vomiting.
No, Figo does not offer the option to pay your vet directly. Figo offers reimbursement by check or direct deposit. After completing the claim, a mailed check takes seven to ten business days to arrive, while direct deposit takes three to five business days.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
