Figo Pet Insurance 2025: Full Review, Pros & Cons
Our expert's opinion on Figo
Figo Pet Insurance offers accident and illness coverage with three primary plans—Value Plus, Popular, and Higher Coverage—paired with optional riders for wellness and alternative care to tailor benefits to owner needs.
The core product emphasizes emergency services (including pet ambulance), telehealth through the Pet Cloud app, covered consultations, surgeries, imaging and lab tests, with short waiting periods (1 day for accidents, 14 days for illnesses); reimbursement rates, annual limits and deductible structures are plan-dependent and can be selected at enrollment, while routine and preventative care requires an optional Wellness Rider. Compared with major competitors, Figo stands out for its integrated telehealth, fast in-app claims handling, tiered pricing that can be economical for younger pets, and flexible optional riders rather than a single one-size-fits-all price point.
Best suited for owners who want strong emergency and telehealth support, modular wellness add-ons, and tiered pricing—particularly younger pets and cost-conscious households seeking flexible coverage options.
Figo is a U.S.-based pet insurer with an active customer base and a provider average rating of 3.6; it holds a Trustpilot score of 3.8/5 from 2,173 reviews, and customers commonly report an easy claims process via the Pet Cloud app with reimbursements sometimes issued within days, though some reviews note claim denials for pre-existing conditions and premium increases over time.
- ✅24/7 veterinary telehealth via Pet Cloud
- ✅Fast in-app claims submission and reimbursements
- ✅Emergency pet ambulance coverage
- ✅Tiered plans for different budgets
- ✅Optional Wellness Rider for preventative care
- ✅Alternative Care Rider available
- ✅Short accident waiting period
- ❌Preventative care requires an extra rider
- ❌Pre-existing condition exclusions strictly enforced
- ❌Premiums can increase with age
- ❌Some customers report occasional claim denials
- ❌Reimbursement specifics vary by plan
Our expert's opinion on Figo
- ✅24/7 veterinary telehealth via Pet Cloud
- ✅Fast in-app claims submission and reimbursements
- ✅Emergency pet ambulance coverage
- ✅Tiered plans for different budgets
- ✅Optional Wellness Rider for preventative care
- ✅Alternative Care Rider available
- ✅Short accident waiting period
- ❌Preventative care requires an extra rider
- ❌Pre-existing condition exclusions strictly enforced
- ❌Premiums can increase with age
- ❌Some customers report occasional claim denials
- ❌Reimbursement specifics vary by plan
Score- ✅24/7 veterinary telehealth via Pet Cloud
- ✅Fast in-app claims submission and reimbursements
- ✅Emergency pet ambulance coverage
- ✅Tiered plans for different budgets
- ✅Optional Wellness Rider for preventative care
- ✅Alternative Care Rider available
- ✅Short accident waiting period
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The Figo Guarantees
Figo offers three main plans—Value Plus, Popular, and Higher Coverage—positioned from entry‑level through a balanced mid‑tier to an enhanced option, providing owners with choices that trade monthly premium for broader coverage. All plans focus on accident and illness coverage with core clinical benefits such as emergency treatment, surgery, imaging, laboratory diagnostics, emergency ambulance transport, and telephone consultations; preventive services, dental cleanings, neutering, vaccinations, and identification can be added through an optional Wellness Rider. Waiting periods are short for accidents (1 day) and standard for illnesses (14 days), and telehealth access is included via the Pet Cloud app for 24/7 veterinary support.
Deductible, reimbursement, and annual limit mechanisms are implemented at the policy level to enable different cost–coverage combinations across the three plans, while specific configuration choices affect each policyholder’s out‑of‑pocket exposure. Optional riders expand coverage to include alternative therapies (via an Alternative Care Rider) and limited wellness benefits (via the Wellness Rider), and humane euthanasia is covered under core benefits. Enrollment is available for both dogs and cats, with a minimum age requirement (pets must be at least six weeks old to enroll).
Strengths of Figo’s offering include integrated telehealth, emergency ambulance coverage, a clear three‑tier product lineup, and the availability of targeted riders to cover preventive and alternative treatments; common trade‑offs include the dependence on optional riders for routine wellness and certain consultation fees, and explicit operational limits that can affect coverage for repeated incidents. Plans are administered by Figo Pet Insurance, and core features prioritize clinical and emergency care while shifting many preventive and elective items to optional add‑ons.
| Value Plus | Popular | Higher Coverage | |
|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Enhanced / premium |
| Type of coverage (accident, illness, both, etc.) | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered (dogs, cats, other) | Dogs, Cats | Dogs, Cats | Dogs, Cats |
| Reimbursement rate | N.C. | N.C. | N.C. |
| Annual reimbursement limit | N.C. | N.C. | N.C. |
| Deductible (annual or per claim) | N.C. | N.C. | N.C. |
| Age limits for enrollment | Min 6 weeks; Max N.C. | Min 6 weeks; Max N.C. | Min 6 weeks; Max N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting periods (accident / illness) | 1 day / 14 days | 1 day / 14 days | 1 day / 14 days |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | Telephone consultations covered; office visit fees via optional rider | Telephone consultations covered; office visit fees via optional rider | Telephone consultations covered; office visit fees via optional rider |
| Medications | N.C. | N.C. | N.C. |
| Hospitalization | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests (imaging, lab tests) | Yes (imaging, lab tests) | Yes (imaging, lab tests) | Yes (imaging, lab tests) |
| Dental care | Dental cleaning available with Wellness Rider; illness dental subject to exclusions | Dental cleaning available with Wellness Rider; illness dental subject to exclusions | Dental cleaning available with Wellness Rider; illness dental subject to exclusions |
| Preventive care | Optional (Wellness Rider) | Optional (Wellness Rider) | Optional (Wellness Rider) |
| Alternative medicine | Optional (Alternative Care Rider) | Optional (Alternative Care Rider) | Optional (Alternative Care Rider) |
| Travel coverage (care abroad) | N.C. | N.C. | N.C. |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | Yes (humane euthanasia covered when medically necessary) | Yes (humane euthanasia covered when medically necessary) | Yes (humane euthanasia covered when medically necessary) |
| Death & cremation coverage | Death: Yes; Cremation: N.C. | Death: Yes; Cremation: N.C. | Death: Yes; Cremation: N.C. |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | N.C. | N.C. | N.C. |
Pre‑existing conditions are excluded: any condition that showed clinical signs within 12 months before the policy start date or during a waiting period is not covered. Curable conditions may become eligible after being symptom‑free for 12 months, with an explicit exception that ligament and knee conditions are not eligible for that return‑to‑eligibility provision. Repetitive incidents (for example repeated foreign body ingestions or bite wounds) may be deemed preventable after three similar occurrences and coverage for those incidents may cease.
Preventive, routine, and elective care are excluded from core coverage and require purchase of the Wellness Rider to be eligible; this includes wellness exams, vaccinations, parasite prevention, spaying/neutering, and preventive dental care. Examination fees, rehabilitation and physical therapy, holistic and behavioral care are excluded from the base plan unless corresponding optional riders are selected. Cosmetic procedures, breeding and whelping (except for complications), food and supplements, and administrative or non‑medical fees are also excluded.
Figo Exclusions
Figo’s exclusions prioritize pre-existing conditions, defined as clinical signs within 12 months before policy start or during waiting periods, with curable conditions becoming eligible only after a full 12‑month symptom‑free period (knee/ligament conditions are treated as exceptions). The policy also includes a notable anti‑repeat clause—after three similar incidents (for example repeat foreign‑body ingestions or bite wounds) the insurer may deem the issue preventable and refuse further coverage for that problem.
Administrative, rehabilitative, behavioral and many alternative therapies are excluded unless the corresponding rider is purchased, and owners should note that routine parasite prevention and vaccinations are handled through optional riders rather than the core plan. Food, supplements, breeding‑related and cosmetic procedures are broadly excluded, and dental disease is not covered if evidence of periodontal problems existed prior to enrollment.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (signs within 12 months prior to start or during waiting periods); Curable conditions eligible after 12 symptom‑free months (ligament/knee exceptions); Undiagnosed masses. |
| Repetitive incidents | After three similar incidents (e.g., repeated foreign body ingestions or bite wounds) coverage for that issue may be denied as preventable. |
| Specific fees and rehabilitative services | Examination fees, rehabilitation, physical therapy, behavioral therapy, and many alternative/holistic treatments are excluded unless a specific rider is purchased; administrative fees and taxes are also excluded. |
| Food and supplements | All foods, vitamins, and general supplements excluded; limited prescribed food allowance may be available under an Office Visit/Exam Fees rider (up to $250). |
| Breeding and cosmetic procedures | Costs related to breeding, pregnancy, whelping (except complications), tail docking, ear cropping, and declawing are excluded. |
| Dental disease | No coverage for dental illness when periodontal disease, gingivitis, or tartar existed prior to policy or during waiting periods; extractions and other treatments may be limited. |
| Owner-related incidents | Injuries or illnesses caused intentionally or through neglect, organized fighting, or failure to follow veterinarian recommendations (including vaccination requirements) are excluded. |
| Other catastrophic and non-medical exclusions | Costs arising from war, nuclear events, declared epidemics, grooming, obedience training, and other non‑medical items (bedding, toys, etc.) are excluded. |
Figo Prices
Figo’s pricing in 2025 is positioned squarely in the mid‑range of the market, built around a three‑tier structure—Value Plus, Popular, and Higher Coverage—that lets policyholders balance premium cost against protection level. Choice of reimbursement rate, deductible, and annual coverage limit are the main levers: lower monthly premiums typically pair with higher deductibles or lower reimbursement percentages, while the Higher Coverage plan carries materially higher premiums to reduce out‑of‑pocket costs and raise annual limits.
The insurer’s digital‑first model (Pet Cloud app, 24/7 telehealth access, and streamlined e‑claims) reduces administrative cost and speeds reimbursements, which supports competitive pricing relative to legacy carriers that retain higher distribution and processing costs. To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Value Plus | Popular | Higher Coverage |
|---|---|---|---|
| Dog Labrador 1 year | $49.02 | $85.93 | $129.65 |
| Dog Labrador 3 years | $48.92 | $85.75 | $129.38 |
| Dog Labrador 7 years | $90.21 | $158.16 | $238.59 |
| Dog Australian Shepherd 1 year | $30.96 | $54.26 | $81.87 |
| Dog Australian Shepherd 3 years | $30.88 | $54.15 | $81.69 |
| Dog Australian Shepherd 7 years | $56.96 | $99.85 | $150.65 |
| Dog French Bulldog 1 year | $69.96 | $122.61 | $184.99 |
| Dog French Bulldog 3 years | $69.80 | $122.35 | $184.59 |
| Dog French Bulldog 7 years | $128.73 | $225.66 | $340.43 |
| Cat European Shorthair 1 year | $23.18 | $40.64 | $61.30 |
| Cat European Shorthair 3 years | $21.46 | $37.61 | $56.73 |
| Cat European Shorthair 7 years | $38.19 | $66.95 | $101.01 |
| Cat Maine Coon 1 year | $22.03 | $38.62 | $58.26 |
| Cat Maine Coon 3 years | $20.39 | $35.74 | $53.92 |
| Cat Maine Coon 7 years | $36.29 | $63.63 | $95.99 |
| Cat British Shorthair 1 year | $23.18 | $40.64 | $61.30 |
| Cat British Shorthair 3 years | $21.46 | $37.61 | $56.73 |
| Cat British Shorthair 7 years | $38.19 | $66.95 | $101.01 |
Figo Promo Codes
| Figo Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
The reimbursement amount with Figo
Figo reimburses eligible veterinary charges by first subtracting your annual deductible and then paying a percentage of the remaining eligible amount; the examples below use the Higher Coverage plan at 90% reimbursement for treatment claims and an 80% Wellness Rider reimbursement for preventive care.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $200 (office exam $75 + medication $125)
Deductible amount to subtract: $100 (sample annual deductible)
Amount reimbursable after deductible with the Higher Coverage plan: $200 – $100 = $100
90% of that amount reimbursed: $100 × 90% = $90
Remaining out-of-pocket cost: $200 – $90 = $110
👉 You receive a reimbursement of $90.
ℹ️ *The deductible is applied once per policy year; you pay the deductible plus any coinsurance portion of the remaining eligible charges.*
✅ Example 2: TPLO surgery (ACL repair)
Total vet costs: $6,500 (pre-op diagnostics, surgery, hospitalization, meds, follow-ups)
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable after deductible with the Higher Coverage plan: $6,500 – $0 = $6,500
90% of that amount reimbursed: $6,500 × 90% = $5,850
Remaining out-of-pocket cost: $6,500 – $5,850 = $650
👉 You receive a reimbursement of $5,850.
ℹ️ *Large claims reduce your remaining annual coverage limit; check your plan’s annual maximum so you know how much coverage remains after a major claim.*
✅ Example 3: Annual wellness exam and vaccinations (Wellness Rider)
Total vet costs: $220 (exam $60 + vaccines $120 + routine tests $40)
Deductible amount to subtract: $0 (wellness benefits typically not subject to the accident/illness deductible)
Amount reimbursable under the Wellness Rider at 80%: $220 × 80% = $176
Remaining out-of-pocket cost: $220 – $176 = $44
👉 You receive a reimbursement of $176.
ℹ️ *Wellness coverage requires the optional Wellness Rider and may have its own annual limit and reimbursement percentage separate from accident/illness benefits.*
Figo Assistance
Figo’s assistance is strong on telehealth, with 24/7 Live Vet access in the Pet Cloud app and telephone consultations that help triage urgent issues and reduce unnecessary clinic visits.
The policy includes emergency ambulance transport, a notable benefit for owners facing critical transfers or immediate veterinary transport needs.
Digital-first claim submission through the Pet Cloud app and frequent customer reports of fast reimbursements make administrative interactions efficient for many policyholders.
There is no clear advertised third‑party clinic billing program or installment payment option, so owners should plan for upfront payments in most cases.
Because partner clinic networks and international coverage are not prominently detailed, owners should verify provider acceptance and travel protections before relying on those services.
| Assistance Figo | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No explicit third‑party direct‑billing program (Payvet/Petcard) advertised. Owners are generally expected to pay the clinic and submit claims for reimbursement. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ✅ | Pet Cloud app provides in‑app telehealth (Live Vet), claim submission, and policy management. App ratings and UX: N.C. |
| Paperless claims process | ✅ | Claims can be filed via the Pet Cloud app, email, or online portal. Many customers report rapid digital reimbursements. |
| Emergency vet service | ✅ | 24/7 Live Vet telehealth access available through the app. Emergency ambulance transport is covered for qualifying events. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
Owners are generally expected to pay the clinic and submit claims for reimbursement.
App ratings and UX: N.C.
Many customers report rapid digital reimbursements.
Emergency ambulance transport is covered for qualifying events.
Figo Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.8/5 (2,173 reviews) |
Notes and reviews by platform
Many customers praise Figo for a straightforward digital experience, noting that the Pet Cloud app simplifies filing claims and that reimbursements can arrive quickly, which offers tangible relief when facing unexpected veterinary bills. Policyholders also frequently mention helpful and responsive customer service teams who guide them through the claims process, and several owners say coverage made it possible to pursue necessary treatments for serious conditions without immediate financial strain.
At the same time, recurring concerns include denials tied to pre-existing condition definitions and frustration with premium increases over time, which some customers feel erode value. Other complaints point to occasional delays or requests for additional documentation that slow reimbursements, along with confusion about wellness and rider limits that can affect out-of-pocket costs.
Here are some examples of customer reviews:
- Fanny — 18/08/2025 — “This was my first experience with a pet insurance, I was told that it will be difficult to file a claim, but Figo made everything easy and fast.”
- Taylor — 19/08/2025 — “Do NOT choose Figo pet insurance … They will not reimburse you for ANYTHING! … [pre-existing condition noted from a prior exam note] …”
- Robert Dibble — 05/08/2025 — “My dog had cancer- 2 years following multiple sedated x-rays, lots of tests and 3 surgeries+ the round of radiation and she is fine… the one thing I never had to think about was insurance! … My dog is good now and it is mostly due due to insurance from Figo.”
Contact Figo
| Figo Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. You can also start a subscription or request a quote through the Pet Cloud app or by calling Customer Experience at (844) 738-3446. |
| To request and track a reimbursement | Submit claims through the Pet Cloud app or send claim documents to claims@FigoPetInsurance.com or fax (773) 966-0769. Typical supporting materials include the itemized veterinary invoice and any medical records; medical records can be sent to medicalrecords@insurefigo.com or faxed to (773) 796-4907. Processing is often fast (customers report reimbursements within days), but exact claim turnaround, submission deadlines, and reimbursement method (e.g., direct deposit/check) are N.C. |
| To obtain a certificate of insurance | Request a certificate via the Pet Cloud portal or by calling Customer Experience at (844) 738-3446. You may also contact Figo by mail at 540 N Dearborn #10873, Chicago, IL 60610. The specific documentation or information required to process a certificate request is N.C. |
| To contact assistance | Phone: Customer Experience (844) 738-3446. Email and fax channels for claims and records: claims@FigoPetInsurance.com / fax (773) 966-0769; medicalrecords@insurefigo.com / fax (773) 796-4907. You can also use the Pet Cloud app for live vet access and account services or send postal mail to 540 N Dearborn #10873, Chicago, IL 60610. |
| To cancel my policy | To cancel, contact Customer Experience at (844) 738-3446 or submit a request through the Pet Cloud app; written requests can be mailed to 540 N Dearborn #10873, Chicago, IL 60610. Provide your policy identification and policyholder name as requested by customer service; the required cancellation notice period, exact refund/proration terms, and any supporting documents are N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Figo?
Yes — in most cases you pay the clinic when services are rendered and then submit a claim to Figo for reimbursement. Figo does not provide a universal direct‑to‑vet payment for all providers, though some clinics may offer their own billing arrangements. Use the Pet Cloud app or claims email to submit the itemized invoice and speed up processing. If you expect a large bill, ask your vet whether they will bill Figo directly before treatment.
How do I cancel my pet insurance policy with Figo?
Contact Figo Customer Experience by phone at (844) 738-3446, use the Pet Cloud app, or send a written cancellation to 540 N Dearborn #10873, Chicago, IL 60610. Provide your policy number, policyholder name, and pet details so the request can be processed. Request written confirmation of the effective cancellation date and ask about any prorated refund. Keep the confirmation for your records in case of billing questions.
What waiting periods apply before coverage begins?
Figo typically applies a 1‑day waiting period for accidents and a 14‑day waiting period for illnesses; these begin on your policy effective date. Treatments or signs that occur inside those windows are generally not eligible for reimbursement. Some specific conditions and repeat incidents may have additional rules or exclusions. Always check your policy declarations for any condition‑specific timing before scheduling care.
How do reimbursement rates, deductibles, and annual limits work with Figo?
Your chosen deductible, reimbursement percentage, and annual limit determine how much Figo will pay after a covered claim is approved. You pay the vet, file the claim, and Figo reimburses eligible charges after applying your deductible and coinsurance. Exact percentages and limits are listed on your policy declarations and can vary by plan and riders. Review your declarations page to understand your out‑of‑pocket responsibility before treatment.
What common exclusions should I be aware of?
Pre‑existing conditions showing signs within 12 months before the policy start date or during a waiting period are excluded, though some curable conditions may become eligible after 12 symptom‑free months. Routine and preventive care is excluded unless you purchase the optional Wellness Rider. Other exclusions include breeding and cosmetic procedures, many behavioral and rehabilitation services without the rider, food and supplements, and parasite treatments where prevention exists. Repetitive incidents may be limited after multiple similar events.
What telehealth and emergency support does Figo provide?
Figo offers free 24/7 access to licensed veterinary professionals via Live Vet in the Pet Cloud app for telehealth advice. The policy also covers telephone consultations and emergency pet ambulance transportation where applicable. Use the Pet Cloud app for quick access to telehealth and to check whether a specific emergency service is covered. For urgent questions, call Customer Experience to confirm available support options.
How do I file a claim and what documentation is required?
File claims via the Pet Cloud app, email claims@FigoPetInsurance.com, or fax to (773) 966-0769 and include the itemized veterinary invoice and any relevant medical records. Medical records can also be sent to medicalrecords@insurefigo.com or faxed to (773) 796-4907 if requested. Processing is faster when invoices are complete and legible; Figo may request additional records during review. Keep originals and follow up with Customer Experience if you need a status update.
Do I have to pay upfront for veterinary fees with Figo?
Yes — in most cases you pay the clinic when services are rendered and then submit a claim to Figo for reimbursement. Figo does not provide a universal direct‑to‑vet payment for all providers, though some clinics may offer their own billing arrangements. Use the Pet Cloud app or claims email to submit the itemized invoice and speed up processing. If you expect a large bill, ask your vet whether they will bill Figo directly before treatment.
How do I cancel my pet insurance policy with Figo?
Contact Figo Customer Experience by phone at (844) 738-3446, use the Pet Cloud app, or send a written cancellation to 540 N Dearborn #10873, Chicago, IL 60610. Provide your policy number, policyholder name, and pet details so the request can be processed. Request written confirmation of the effective cancellation date and ask about any prorated refund. Keep the confirmation for your records in case of billing questions.
What waiting periods apply before coverage begins?
Figo typically applies a 1‑day waiting period for accidents and a 14‑day waiting period for illnesses; these begin on your policy effective date. Treatments or signs that occur inside those windows are generally not eligible for reimbursement. Some specific conditions and repeat incidents may have additional rules or exclusions. Always check your policy declarations for any condition‑specific timing before scheduling care.
How do reimbursement rates, deductibles, and annual limits work with Figo?
Your chosen deductible, reimbursement percentage, and annual limit determine how much Figo will pay after a covered claim is approved. You pay the vet, file the claim, and Figo reimburses eligible charges after applying your deductible and coinsurance. Exact percentages and limits are listed on your policy declarations and can vary by plan and riders. Review your declarations page to understand your out‑of‑pocket responsibility before treatment.
What common exclusions should I be aware of?
Pre‑existing conditions showing signs within 12 months before the policy start date or during a waiting period are excluded, though some curable conditions may become eligible after 12 symptom‑free months. Routine and preventive care is excluded unless you purchase the optional Wellness Rider. Other exclusions include breeding and cosmetic procedures, many behavioral and rehabilitation services without the rider, food and supplements, and parasite treatments where prevention exists. Repetitive incidents may be limited after multiple similar events.
What telehealth and emergency support does Figo provide?
Figo offers free 24/7 access to licensed veterinary professionals via Live Vet in the Pet Cloud app for telehealth advice. The policy also covers telephone consultations and emergency pet ambulance transportation where applicable. Use the Pet Cloud app for quick access to telehealth and to check whether a specific emergency service is covered. For urgent questions, call Customer Experience to confirm available support options.
How do I file a claim and what documentation is required?
File claims via the Pet Cloud app, email claims@FigoPetInsurance.com, or fax to (773) 966-0769 and include the itemized veterinary invoice and any relevant medical records. Medical records can also be sent to medicalrecords@insurefigo.com or faxed to (773) 796-4907 if requested. Processing is faster when invoices are complete and legible; Figo may request additional records during review. Keep originals and follow up with Customer Experience if you need a status update.
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