Quick Verdict
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Figo pet insurance might be worth it for pet parents who prioritize flexible coverage, high reimbursement options, and a solid digital experience. Plus, 24/7 access to veterinary professionals means you’ll never have to wonder whether you can find care for your fur baby. The company earns a spot in our overview of the best pet insurance providers.
Considering other pet insurance options? Figo offers flexible coverage and convenient digital tools, but MetLife Pet Insurance may be worth comparing, especially if you're looking for different coverage options and potential savings. Before choosing a policy, see your coverage options through MetLife Pet Insurance here to compare benefits and pricing for your pet.
Pros
- Up to 100% reimbursement available
- Unlimited annual coverage option
- No upper age limit
- My Pet Cloud app for claims and records
- 24/7 access to veterinary professionals
Cons
- Veterinary exam fee coverage costs extra
- Preventative care only with an add-on
- Claims process is multi-step if not using the app
Who It’s Best For / Not For
Who Figo Pet Insurance is best for:
Pet parents who prefer digital processing options
Pet owners of older pets
Those looking for customizable coverage
Shoppers seeking 100% reimbursement
Who Should Consider Other Options
Users who prefer to speak to a live agent when filing claims
Pet parents with exotic pets other than cats or dogs
Key Facts
Year Founded | 2012 |
Based in | Chicago, IL |
Key Feature | Fully digital pet insurance |
Price Range | $$ |
Pets Covered | Cats, Dogs |
Figo Pet Insurance Reviews: Editorial Rating
Trusted Company Reviews Rating Score for Figo Pet Insurance: 8.5
Figo Pet Insurance earned an impressive 8.5/10 when we ranked the best pet insurance companies nationwide. With highly customizable coverage for cats and dogs and reimbursement rates up to 100%, pet parents can rest assured they're covered by one of the best in the business.
High ratings for overall coverage quality and policy value
Exceptional score for plan customization
Minimal points earned for overall customer satisfaction
Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
Figo Pet Insurance | Reimbursement | $5,000-Unlimited | 70%-100% | $100-$750 |
What Makes Figo Pet Insurance Different?
Figo pet insurance stands out for its customization options, including up to 100% reimbursement and an unlimited annual max. Furthermore, pet parents enjoy the easy-to-use app where they can file claims, track pet health, and gain access to a live vet 24/7.
Features and Benefits
Figo’s best feature is its flexibility. Instead of choosing from a single plan structure or curated policies, pet parents can build insurance coverage that works for them. Toggle your reimbursement rate, deductible, annual maximum, and coverage options for a truly custom policy.
Annual coverage choices from $5,000 to unlimited
Reimbursement rates from 70%-100%
Deductibles range from $100 to $750
No upper age limit for enrollment
Optional wellness and preventative care coverage
24/7 access to licensed veterinary professionals
Pricing & Value: How Much Does Figo Pet Insurance Cost?
Figo pet insurance pricing varies depending on your chosen plan options, your pet’s age, breed, and your location.
Figo plans are generally mid-range in price, but vary significantly from pet to pet
Selecting a higher deductible or lower reimbursement rate can save you money on monthly premiums
Figo Pet Insurance can be a great value for pet parents who want a customizable plan
Figo Pet Insurance Customer Reviews
Figo pet insurance has a 3.3/5 star rating on Trustpilot at the time of writing. Across more than 2,000 reviews, 67% of reviewers give it a full 5-star rating, while only 16% rate it as low as 1 star. Happy customers praised the simple claim process and speedy turnaround, while disappointed customers expressed frustration with denials.
Common Complaints
Denials due to preexisting conditions
Slow response by tech support
Delayed claim turnaround
Figo Pet Insurance Alternatives
While Figo Pet Insurance stands out for its customizable coverage, high reimbursement options, and convenient digital tools, other providers may offer advantages in pricing, customer service, and included benefits. Comparing alternatives in our guide to the best pet insurance companies can help you find the right coverage for your pet and budget.
Should You Choose Figo Pet Insurance?
You should choose Figo pet insurance if you value a straightforward, customizable policy and a fully digital claims experience. As human interactions are limited when purchasing, review your policy details carefully before you submit payment.
Consider Figo Pet Insurance if: you want up to 100% reimbursement, an unlimited annual coverage option, no upper age limit, and user-friendly digital tools.
Probably Not if: you want built-in coverage for exam fees and wellness, prefer to work directly with a customer service rep, or need your policy to pay your vet directly.
Frequently Asked Questions
Conclusion
Figo pet insurance can be a great option for pet parents who want to customize their coverage and utilize digital tools through the app. The high reimbursement and unlimited annual benefit options provide outstanding coverage, while 24/7 live vet access ensures you can get care for your pet anytime, day or night. For more pet insurance coverage options, see our overview of the best pet insurance providers.
About Author
Tammy McKinney
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.