Figo pet insurance coverage overview 2025

Figo ranking: 2.7 out of 5 stars

Figo offers a strong vary of protection, though there are a few downsides. You’ll have to purchase “Powerups” so as to add protection for vet examination charges and different care (corresponding to acupuncture, chiropractic, and magnet remedy). Figo’s common prices are additionally excessive, coming in at 14% above common in our analysis.

However Figo does have some pluses to contemplate. It’s the one pet insurer in our evaluation with a 100% reimbursement possibility out there, though you may’t get the limitless annual coverage with 100% reimbursement. Figo additionally has a low $100 deductible possibility for those who’re seeking to preserve out-of-pocket prices minimal, however you may’t mix it with the 100% reimbursement degree.

In the event you’re frightened about exclusions for preexisting circumstances, Figo has a bonus if the situation is curable. If the pet’s situation has been cured and there have been no signs or therapy for 12 months, the situation will not be excluded from protection. (This doesn’t apply to ligament and knee circumstances.)

Be taught extra: How does pet insurance coverage work? An entire information.

Professionals

• Diminishing deductible characteristic reduces your deductible by $50 every consecutive 12 months you haven’t any claims till it reaches $0

• Behavioral remedy is roofed, however solely as much as $500 a 12 months

• Contains protection for dental sickness like gingivitis and periodontal illness

• Prescription meals might be lined for those who purchase the Powerup for vet examination charges

• Covers euthanisia

• 5% army low cost out there

Cons

• Annual most restrict decisions: $5,000, $10,000, limitless

• Deductible decisions: $100, $250, $500, $750

• Reimbursement decisions: 70%, 80%, 90%, 100%

• For accident protection: 1 day (waived in some states)

• For sickness protection: 14 days

• Particular ready interval: 6 months for cruciate ligament points in canine. This may be waived if the canine passes an orthopedic examination (guidelines differ by state).

• Minimal pet age: 8 weeks

• Most pet age: None

Figo’s complete pet insurance coverage coverage covers a broad vary of potential issues. It doesn’t provide an accident-only coverage, however you may add a wellness plan to assist pay for routine care bills like vaccinations.

Be taught extra: Does pet insurance coverage cowl vaccines?

Figo’s accident and sickness coverage

• Hereditary and congenital circumstances

• Most cancers

• Diagnostics corresponding to X-rays, CT scans, and ultrasounds

• Dental accidents and diseases

• Behavioral remedy for points corresponding to aggression, anxiousness, and damaging conduct

• Prescribed drugs

• Euthanasia (when vital for humane causes)

Figo’s Wellness Powerup gives you protection for:

Figo doesn’t cowl any preexisting circumstances except for curable circumstances. It defines a preexisting situation as considered one of these:

• A power situation noticed by you or a vet previous to the plan begin date or earlier than the top of the ready interval

• An sickness or harm that first occurred or confirmed signs inside the 12 months previous to the coverage begin date or earlier than the top of the ready interval

• An undiagnosed situation with the identical scientific indicators as these above

Figo will cowl curable preexisting circumstances in case your pet has been symptom-free and treatment-free for not less than 12 months previous to the plan begin date. This does not apply to ligament and knee circumstances.

Figo clients get entry to a 24/7 vet helpline with limitless use. If in case you have questions on your pet’s well being, conduct, or an emergency concern, you may chat dwell with a veterinary skilled at any time by Figo’s Pet Cloud cellular app.

Be taught extra: Your information to what pet insurance coverage covers

Figo pet insurance coverage doesn’t cowl bills corresponding to:

• Preventative care, like wellness exams and vaccines

• Rehab and bodily remedy

• Vet examination charges (until you add separate protection)

• Holistic and different remedies

• Behavioral issues

• Air ambulance and non-emergency pet ambulance transportation

• The price of disposing of a pet’s stays, until you add Ultimate Respects protection

• Boarding

• Beauty and elective surgical procedures

• Accidents or diseases brought on by negligence or endangerment of your pet, corresponding to organized preventing

• Medical prices that come up from ignoring a vet’s really useful therapy

• Grooming

• Pure dietary supplements and nutritional vitamins

• Diseases that might have been prevented by a vaccine really useful by your vet, however that you simply refused

• Being pregnant and breeding

• Vet home calls, until the vet says it was important in an emergency

• Therapies associated to parasites corresponding to heartworms, fleas, and ticks until there was no preventive medication for the parasite.

• Will increase. You possibly can enhance your protection when your coverage renews. You possibly can solely add a Powerup (further protection packages), corresponding to wellness protection, on the time of renewal. In the event you enhance your protection, it can reset the ready durations and preexisting situation exclusions.

• Decreases. You possibly can lower your coinsurance, deductible, and plan at any level through the coverage interval. Nevertheless, you may solely drop non-compulsory endorsements when your plan renews.

We discovered that Figo’s common pet insurance coverage premium is far greater than a lot of its rivals.

Based mostly on our analysis, Figo’s common charges are 14% greater than the common for a coverage with $5,000 in protection.

Be taught extra: Is pet insurance coverage value it? The right way to resolve.

For a coverage with limitless protection, Figo’s charges had been 14% above the common in our evaluation.

Sure, Figo provides a 5% multi-pet low cost if you insure a couple of pet. Most pet insurance coverage corporations provide a multi-pet low cost of 5% or 10%.

No, Figo doesn’t have a system for paying vets straight. It operates on a reimbursement mannequin the place you pay the vet invoice after which submit your bill for reimbursement.

Be taught extra: Pet insurance coverage that pays the vet straight

Right here’s methods to file a pet insurance coverage declare with Figo:

• Submit a declare on-line. The quickest option to submit a declare is thru the Figo Pet Cloud app or their web site. Choose the “Claims” icon, then reply the questions and fasten a replica of your paid bill. The ultimate step is to have your vet ship Figo your pet’s medical information to allow them to confirm therapy.

• Different methods to submit a declare. In the event you want, you may obtain the declare kind and e-mail it to claims@FigoPetInsurance.com or fax it to 773-966-0769.

You possibly can name the customer support staff at 844-738-3446 for assist with claims.

To get reimbursed, you need to submit a declare inside 180 days from the date of the vet go to.

Figo will reimburse you for accepted vet claims inside 30 days of receiving documentation, however the firm says that almost all claims shut in lower than three enterprise days. You possibly can select to get reimbursed with a paper test or an ACH deposit.

Figo’s Pet Cloud cellular app permits you to file claims, chat with a licensed veterinary skilled 24/7, retailer digital vet information, join with different pet dad and mom, and extra. Customers give the Pet Cloud app good evaluations.

Figo cellular app rankings:

Be taught extra: The perfect pet insurance coverage corporations

Figo doesn’t require a vet examination to purchase its pet insurance coverage.

Right here’s methods to get in contact with Figo’s customer support staff:

• Name 844-738-3446 or textual content 844-262-8133 Monday by Friday (7 a.m to 7 p.m. CT) and Saturday (7:30 a.m. to 4 p.m. CT)

• Figo’s fax quantity is 773-966-0769

• E mail help@figopetinsurance.com

To cancel Figo pet insurance coverage, name, e-mail, or write to the corporate. In the event you cancel the coverage inside the first 30 days and also you haven’t filed any claims, you might be entitled to a full refund. After 30 days, refunds are calculated on a day by day professional rata foundation.

Amy Danise and Tim Manni edited this text.

We researched the protection particulars and costs for 15 pet insurance coverage. We then weighted classes, and every pet insurer was scored relative to the others to search out one of the best pet insurance coverage corporations. Listed below are the components we included.

Protection varieties: 40% of rating. We examined the protection offered by the bottom coverage with out the additional value of add-ons. This encompassed protection for different remedy, behavioral remedy, dental sickness, euthanasia or end-of-life bills, unique pets, hereditary and congenital circumstances, preexisting circumstances, prescription meals and dietary supplements, veterinary examination charges, and promoting/reward for misplaced/stolen pets.

Common value: 30% of rating. We evaluated prices in 5 states for $5,000 and limitless protection for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Limitless protection possibility: 10% of rating. We gave factors when pet insurers supplied a limiteless annual restrict (or a $100,000 restrict), which supplies pet homeowners essentially the most sturdy monetary safety attainable within the occasion of a catastrophic pet medical concern.

Direct funds to the veterinarian: 5% of rating. We gave factors to pet insurers that state on their web sites that they accommodate direct vet funds.

No particular ready durations for particular circumstances: 5% of rating. We gave factors when pet insurers don’t have any ready durations for particular circumstances, corresponding to cruciate ligament circumstances.

Routine wellness plan: 5% of rating. Firms that supply a routine wellness plan along with pet insurance coverage obtained factors.

Multi-pet low cost: 5% of rating. We gave factors when pet insurers supplied a reduction for insuring a number of pets.