Figo Pet Insurance Reviews 2022: Is It Legit Or Scam?

Figo is a personalized pet insurance plan designed specifically for millennial pet parents. Pet owners can select from three comprehensive plans and then add powerups such as wellness, veterinary exam fee coverage, and the extra care pack.

Customers of Figo have unique access to the Figo Pet Cloud app, which includes services such as a virtual veterinarian available 24/7 and fast mobile claim processing.

This Figo Pet insurance review will go through the various plans available, the benefits and drawbacks of purchasing coverage, how to get started, and more.

What Is Figo Pet Insurance and How Does It Work?

Figo pet insurance protects cats and dogs from accidents and illnesses, helping to cover the costs of emergency visits, hospitalizations, treatments, and veterinary exams.

This pet insurance is similar to the health insurance you buy for yourself in that you must meet an annual deductible before coverage begins, the policy spells out what is covered (and what isn’t), and you pay a monthly premium. Figo pet insurance, on the other hand, is unique in that instead of paying a co-pay at the time of service, you pay the veterinarian bill first and then file a claim.

Pre-existing conditions are not covered by most pet insurance policies, including Figo’s if your pet exhibits symptoms at the time you obtain a policy. If your pet hasn’t displayed any symptoms in the previous 12 months, Figo will make an exemption for treatable diseases.

There are also waiting periods for certain conditions before your coverage kicks in. This means that if you purchase Figo Pet insurance for your dog and it is diagnosed with a knee problem before the end of the waiting period, the veterinary exam and treatment will not be covered by your plan.

Unlike some of our other Best Pet Insurance Companies of 2022, Figo will not cover breed-specific conditions.

Read sample policies carefully to understand what the pet insurance will and will not cover, how and where you can use the policy, and how the claims and reimbursement process works, just as you would with any other type of insurance.

Figo pet insurance can help with the cost of covered chronic and inherited disorders, cancer treatment, diagnosis, surgeries, emergency visits, medicines, imaging, prostheses, and orthopedics, among other things.

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What are the Advantages of Figo Pet insurance?

There are no network restrictions: You can use Figo to see any licensed veterinarian in the US, Canada, or Puerto Rico. General veterinary practices, specialists, and pet emergency rooms all fall under this category.

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In the event of an emergency, you’ll have 24-hour access to a live veterinarian through Figo’s Pet Cloud app. This service is provided free of charge with all policies.

Great customer service options: There are nearly endless ways to contact Figo customer service. You can reach out to us by phone, email, text, chat, or Twitter.

There is no maximum age for enrollment: You can enroll your pet at any age. Certain restrictions may apply to senior pets, such as limited mortality benefits or confirmation of current wellness testing, but this is standard.

30-day money-back guarantee: If you test Figo and realize it’s not for you, the firm will reimburse your money (excluding administrative expenses) within 30 days if you haven’t filed a claim.

What Are The Drawbacks of Figo Pet Insurance?

While a veterinary exam is not required to begin coverage with Figo, it may be advised. If pet owners cannot present proof of a checkup within the previous 12 months, the company may utilize the first subsequent exam to determine pre-existing conditions. This could be problematic if your first visit to the veterinarian is for a new problem that is later denied.

Only includes dogs and cats: Families with additional pets, such as birds and hamsters, will not be covered by Figo.

Exam fees are not covered by the Figo base plan, which is nearly always collected during visits for accidents and diseases. For a few dollars more per month, you can get this coverage.

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What Are The Figo Insurance Plans Available?

Figo’s plan offers have recently been improved. It now features three fully configurable plans with three plan possibilities and three power-ups, when it previously just had restricted options.

Pet owners can also choose the reimbursement and deductible levels in addition to these possibilities.

Accidents and diseases are covered, with wellness benefits available as an option. Optional riders, which aren’t included in the regular level of coverage, include exam fees for visits connected to accidents or illnesses, wellness, and final arrangement charges. For most pets, this supplementary coverage costs only a few dollars each month.

Exam fees are covered with the optional policy, giving you more comprehensive coverage.

Aside from the exam cost, wellness rider, and extra care rider, you can choose the coverage levels under Figo’s pet insurance policies. For most pets, the annual deductible can be set anywhere between $100 and $1,500, with reimbursement ranging from 70% to 100%. Although certain types of care may have their own limits, annual limits start at $5,000 and go up to unlimited coverage.

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Where Can I Get Figo Pet Insurance?

Obtaining a Figo policy is simple. All you have to do is provide some basic information about your pet on the internet, such as:

  • The name of your pet
  • Species and breeds of animals, as well as their ages
  • Your postal code

After that, you’ll be asked to pick your policy choices. These factors include the quantity of coverage you desire, the size of your deductible, and whether or not you want to add any additional protections to your policy.

What Are The Prices For The Various Plans On Figo?

In terms of pure cost, Figo’s premiums are far less expensive than those offered by most competitors. Even the most expensive plans from the supplier are surprisingly affordable.

However, keep in mind that these plans provide less coverage than some of the more expensive options from other companies. Exam fees are usually around $50 per visit, which you’ll have to pay out of pocket if you don’t have Figo’s exam fee rider.

The table below outlines the price range for Figo’s base policies and the additional monthly cost of including exam fee coverage.

 Base plan monthly premiumExam fees rider
Dog: 1 year$22.41 to $29.68$5.33
Dog: 3 year$22.36 to $29.62$5.32
Dog: 6 year$33.53 to $44.41$7.98
Dog: 12 year$88.53 to $117.26$21.09
Cat: 1 year$11.31 to $14.98$2.69
Cat: 3 year$10.47 to $13.85$2.49
Cat: 6 year$15.28 to $20.24$3.64
Cat: 12 year$46.37 to $61.41$11.04

What Figo Pet Insurance Covers

With a fully online approach, Figo has established itself as a force to be reckoned with in the pet health insurance business, and their policies are just as extensive.

They go over everything from surgery to accidents, illnesses, and injuries, as well as genetic and congenital problems. MRIs, x-rays, ultrasounds, cancer treatment, knee issues, alternative and holistic therapies, prosthetics, and veterinary specialists are also covered by Figo.

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Optional Insurance Coverage

Optional “power-ups” for Wellness, Veterinary Exam Fees, and Extra Care Pack are also available from Figo.


This optional add-on covers the costs of routine care, such as annual physicals, vaccinations, and other preventative measures. There are two options available:

Veterinary Exam Fees Basic: $135 annual wellness coverage Plus: $250 annual wellness coverage

Veterinary examination fees may appear to be included in most pet insurance policies, but each provider handles them differently.

Exam or consultation expenditures related to the diagnosis of your pet’s qualified illness or accident can be reimbursed for an additional price. Up to $250 of any special diet advised by a professional veterinarian is also included with this power-up.

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Pack of Extra Care:

This optional add-on includes the following items:

  • Promotion and reward
  • Cancellation of vacation
  • Fees for boarding
  • Theft or straying losses (annual limit of $150)
  • Liability for third-party property damage ($10,000 yearly limit)
  • Last respects ($250 to cover cremation/burial costs)
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What Doesn’t Figo Pet Insurance Cover?

There are a few things that Figo does not cover, as with any pet insurance company:

  • Pre-existing ailments
  • Maintenance on a regular basis
  • Procedures for conducting experiments
  • Neutering or spaying
  • Breeding
  • Cosmetic procedures

How does Figo’s customer service work?

The majority of Figo Pet Insurance reviews are excellent, with many policyholders reporting that their claims were resolved within an hour or even while they were still in the veterinarian’s office.

The organization may be reached via text, tweet, email, or phone, making it extremely convenient for folks who are constantly on the move. Figo also has Evie, an AI assistant who can answer most questions, in addition to accessible representatives.

Figo can be reached by phone. Monday through Friday, 8:00 a.m. to 7:00 p.m. Central Standard Time; Saturday, 8:00 a.m. to 6:00 p.m. Central Standard Time; and Sunday, 11:00 a.m. to 3:00 p.m. Central Standard Time (text support only). Contact the company by phone at 844.738.3446, text at 844.262.8133, or email at

FAQs On Figo Pet Insurance

Is there a Wellness Plan at Figo?

A standalone wellness plan that covers preventive visits, vaccinations, vitamins, and dental cleaning is not available through Figo pet insurance. It does, however, provide a wellness option for its regular plans that covers vaccinations and regular blood work, as well as a veterinarian exam option that only covers exam fees related to covered illnesses and injuries.

How do I get in touch with Figo’s customer service?

You can contact Figo customer support by using the firm’s online chat function, sending an email, texting, or calling the company. Monday through Friday, 8 a.m. to 7 p.m., or Saturday, 8 a.m. to 6 p.m., Central Standard Time. Customer service is available Monday through Friday, 8:30 a.m. to 5:30 p.m. CST, if you have a claim question.

How Do I Cancel a Figo Pet Insurance Plan?

To cancel your Figo Pet insurance plan, you need to mail or call customer service to cancel a Figo pet insurance plan at any time. If you choose to begin the process with a phone call, you must provide cancellation via email.

Is there a limit to how much you can spend on Figo?

With Figo pet insurance, you can set a payment limit, which the firm refers to as your annual benefit. There are three options: $5,000, $10,000, or a limitless amount.

Is There a Figo Deductible?

Yes, you must pay a deductible before Figo will reimburse you for covered illnesses or injuries. You can select a deductible from a list of alternatives in Figo. Once you’ve met your deductible, Figo will reimburse you up to 100% of your deductible, up to your annual benefit, which you can choose from $5,000, $10,000, or an unlimited amount.


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