Figo Pet Insurance 2025: Full Review of Coverage, Pros & Cons
Our expert's opinion on Figo
Figo Pet Insurance delivers flexible, modular health coverage for dogs and cats across the US, built around three customizable plans with annual reimbursement limits, adjustable co-insurance (typically 70–100%) and annual deductibles that decrease by $50 each claim-free year (down to $0), plus a wellness budget add-on for preventative care with six reimbursement tiers. Positioned in the upper mid-range, Figo distinguishes itself among digital-first competitors by offering 100% reimbursement at the top tier, comprehensive illness/accident protection (including hereditary and chronic conditions), strong wellness add-ons, and rapid claims adjudication, though premium increases are more frequent than some rivals. Figo is particularly advantageous for younger pets, high-cost purebreds, and owners who want customizable plans, high reimbursement levels, and digital convenience, but is less ideal for pets with prior medical histories or those wanting stable long-term pricing. Underwritten by Independence American Insurance Company (a well-established US specialty insurer with significant premium volume), Figo is financially reliable; Trustpilot shows a 'Great' 3.9/5 rating from 2,110 reviews, with most claims settled in under 3 business days via their paperless system.
- ✅100% reimbursement available
- ✅Fully paperless, rapid claims (usually <3 days)
- ✅Diminishing deductible feature
- ✅Coverage for accidents, illnesses, hereditary conditions
- ✅Wellness/prevention four-tier add-on
- ✅Customizable plans and annual limits
- ✅24/7 live vet access included
- ❌Broad pre-existing condition exclusions
- ❌Significant annual premium increases reported
- ❌Wellness and exam fees not standard, cost extra
- ❌Frequent requests for veterinary records
- ❌Claim denials linked to strict policy interpretation
Our expert's opinion on Figo
- ✅100% reimbursement available
- ✅Fully paperless, rapid claims (usually <3 days)
- ✅Diminishing deductible feature
- ✅Coverage for accidents, illnesses, hereditary conditions
- ✅Wellness/prevention four-tier add-on
- ✅Customizable plans and annual limits
- ✅24/7 live vet access included
- ❌Broad pre-existing condition exclusions
- ❌Significant annual premium increases reported
- ❌Wellness and exam fees not standard, cost extra
- ❌Frequent requests for veterinary records
- ❌Claim denials linked to strict policy interpretation
Score- ✅100% reimbursement available
- ✅Fully paperless, rapid claims (usually <3 days)
- ✅Diminishing deductible feature
- ✅Coverage for accidents, illnesses, hereditary conditions
- ✅Wellness/prevention four-tier add-on
- ✅Customizable plans and annual limits
- ✅24/7 live vet access included
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the market every year to offer you a trustworthy and unbiased analysis. Because of this rigorous process, hundreds of thousands of Americans trust us each month to help them make the best financial decisions for their families.
The Guarantees of Figo
Figo offers three highly customizable plans for dog and cat owners, allowing pet parents to choose reimbursement rates (up to 100%), annual limits (from $5,000 to unlimited), and annual deductibles (as low as $100), making it one of the most flexible solutions on the market.
The base plans include coverage for accidents and illnesses, including genetic and chronic conditions, diagnostic testing, medications, surgeries, emergency care, and dental injuries—while key add-ons enable policyholders to also cover exam fees, wellness/preventive care, rehabilitation, behavioral, and alternative treatments.
Standout features include the diminishing deductible for claim-free years, 24/7 live vet chat, fast digital reimbursements, and the ability to cover some curable pre-existing conditions after 12 months without symptoms.
However, Figo’s core policies do not automatically cover vet exam fees, preventive care, or rehab/alternative care—these must be purchased as add-ons—and exclusions are strictly applied for pre-existing conditions, elective procedures, breeding, grooming, and non-vet-prescribed supplements or diets.
Premiums can rise at renewal regardless of claim activity, and policyholders are responsible for maintaining up-to-date vaccination and preventive care to avoid denied claims due to avoidable disease.
Figo Figo Pet Insurance Plan | |
|---|---|
Coverage Type | Accident & Illness |
Covered Pets | Dogs & Cats |
Reimbursement Rate | Variable — up to 100% |
Annual Coverage Limit | Variable |
Annual Deductible | Variable — decreasing $50/yr if claim-free |
Enrollment Age (Dog) | N/A |
Enrollment Age (Cat) | N.C. |
Health Questionnaire | N.C. |
Claim Reimbursement Time | Up to 30 days |
Emergency Visits | Covered |
Regular Vet Visits | Not covered |
Specialist Consultations | Covered |
Medication | Covered |
Hospitalization | Covered |
Ambulance Services | Covered |
Surgery | Covered |
Imaging | Covered |
Lab Tests | Covered |
Radiotherapy | Covered |
Dental Care | Accident/pain only |
Teeth Cleaning | Not covered |
Vaccinations | Not covered |
Anti-Parasitics | Not covered |
Neutering (Dog) | Not covered |
Neutering (Cat) | Not covered |
Identification | Not covered |
Lifetime Coverage | Yes |
Waiting Period (Accident) | 1 day |
Waiting Period (Illness) | 14 days |
Hygiene | Not covered |
Alternative Therapies | Not covered |
Foreign Care | Covered worldwide |
Death | Not covered |
Cremation | Not covered |
Euthanasia | Covered |
Loss/Theft | Not covered |
Boarding Fees | Not covered |
Figo Pet Insurance - Key Features and Considerations
Figo’s diminishing deductible reduces by $50 each year you don’t file a claim, down to $0.
Exam fee and wellness coverage are not included by default—they require separate Powerups.
No upper age limit for coverage renewal; initial enrollment for older pets may be subject to restrictions.
To ensure full dental coverage, annual dental exams and recommended care must be documented.
Policy changes (increasing coverage or adding powerups) are only allowed at annual renewal.
Compare Figo’s customizable plan options to find the best value for your pet’s health needs and budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Figo Exclusions
Figo applies a wide range of exclusions, the most significant being its strict definition and exclusion of pre-existing conditions, which includes any incident, illness, or symptom apparent before enrollment or during waiting periods.
Also notable are exclusions for costs due to lack of compliance with required preventive care—if recommended vaccinations, dental cleanings, or parasite treatments are not performed, related illness or disease claims will be denied.
Standard plans exclude consultations, annual exams, wellness/preventive care, alternative therapies, rehabilitation, and behavioral treatments unless specific add-ons are purchased.
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Other important exclusions include elective and cosmetic procedures, costs associated with breeding, genetic testing, non-prescribed supplements or foods, and any injury or illness resulting from neglect, abuse, or failure to provide care.
Policyholders should pay close attention to exclusions linked to omissions in preventive care and the broad application of the pre-existing condition clause.
| Exclusions | Details |
|---|---|
| Medical exclusions |
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| Behavioral/rehabilitation |
|
| Administrative/financial |
|
| Geographic/ownership |
|
| Identification/compliance |
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| Negligence/misconduct |
|
| Miscellaneous |
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- Pre-existing conditions or symptoms
- Conditions arising during waiting periods
- Illness/injury related to non-compliance with vaccinations or dental care
- Annual exams, wellness, and preventive care (except with Wellness Rider)
- Elective and cosmetic procedures
- Breeding, pregnancy, or birth costs
- Genetic testing, experimental procedures
- Chronic illness without documented care compliance
- Behavioral therapy, physical therapy, or alternative care unless relevant rider is purchased
- Therapy beyond coverage limits defined in rider
- Taxes, administrative fees, extra payment service fees
- Costs related to paperwork, document transmission, or currency conversion
- Care provided outside the accepted service area beyond limits
- Issues related to ownership transfer if not declared as required
- Duplicate Figo policies
- Claims where pet’s legal residence does not match policy
- Diseases preventable by routine care where owner failed to follow vet advice or recommended prevention
- Claims relating to abuse, neglect, intentional injury, illegal activity
- Injuries from improper care, animal fighting, or prohibited acts
- Transport (non-emergency), boarding, grooming, overtime or after-hours fees
- Cremation, burial (unless included in an add-on rider)
- Lost or stolen pet costs
Figo Prices
Figo is positioned as a competitive, mid-range pet insurer that balances broad, customizable coverage with transparent pricing.
As a digital-first provider, Figo leverages streamlined online services and claims processing, which helps minimize administrative costs and often leads to more attractive monthly premiums compared to traditional insurers.
Plans allow for flexible reimbursement rates (up to 100%) and deductibles, but premiums increase with higher coverage selections or with add-ons for wellness and exam fees.
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Overall, when compared to other national providers, Figo stands out for making high reimbursement and no-annual-cap options accessible, with pricing that remains competitive for most dogs and cats but may be higher if you choose maximum benefits. It remains best suited for pet owners seeking strong value for money and a hassle-free digital experience, especially if customization is a priority.
| Essential Plan | Preferred Plan | Ultimate Plan | |
|---|---|---|---|
| Young cat (2–4 years) | $23/month | $28/month | $34/month |
| Senior cat (7–8 years) | $31/month | $37/month | $45/month |
| Small breed dog | $32/month | $39/month | $48/month |
| Small breed dog (2–4 years) | $27/month | $32/month | $40/month |
| Large breed dog (2–4 years) | $41/month | $48/month | $62/month |
| Senior dog (7–8 years) | $58/month | $69/month | $84/month |
Compare Figo’s plan levels to find the best-priced coverage for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!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.
Reimbursement details with Figo
With Figo’s Ultimate plan, you pay a single annual deductible and then receive up to 100% back (less deductible and copay) on approved, non-preventive vet bills—so you know in advance exactly how much your out-of-pocket expenses will be at the vet.
Emergency surgery reimbursement example
Emergency surgery for foreign body ingestion Total vet costs: $2,700 (surgery, diagnostics, 2 days hospitalization) Deductible to subtract: $250 (only paid once per year) Amount eligible after deductible: $2,700 – $250 = $2,450 Reimbursed at 100% with Ultimate plan: $2,450 × 100% = $2,450 👉 You get $2,450 reimbursed; your out-of-pocket cost is just the $250 deductible. ℹ️ Since the deductible is already paid, subsequent claims this year have no further deductible.
Reimbursement Example: Lymphoma Treatment
Chemotherapy and prescription medications for lymphoma Total vet costs: $5,000 (diagnostics, multiple treatments, medication) Deductible to subtract: $0 (already paid earlier this year) Amount reimbursed at 100%: $5,000 × 100% = $5,000 👉 You receive a reimbursement of $5,000; you pay $0 beyond premiums and the deductible already met. ℹ️ The Ultimate plan’s no annual limit ensures full coverage for ongoing treatments once the deductible is satisfied.
Wellness Package Reimbursement Example
Preventive care annual package (Ultimate plan + Wellness Rider)
Total annual cost for wellness care: $400 (routine exam, core vaccines, heartworm test, teeth cleaning)
Wellness reimbursement cap (Ultimate plan, highest-tier Wellness Rider): $250 per year
Deductible: $0 (wellness reimbursements do not require meeting the annual deductible)
Amount reimbursed: up to $250 annually
👉 You receive $250; your remaining out-of-pocket is $150 for preventive care.
ℹ️ The wellness benefit applies per policy year and covers a variety of routine services up to the plan cap.
Figo Assistance
| Assistance Figo | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (Payvet, Petcard, Carecredit) available. Upfront payment required at vet; reimbursement is paid after claim approval. |
| Payment facilities | ❌ | No installment payment options advertised for premiums. Payment is monthly or annual via card or ACH. |
| Mobile app | ✅ | Figo Pet Cloud app available for Android (4.7★) and iOS (4.8★). Users submit/manage claims, store pet records, chat to 24/7 Live Vet, manage account. |
| Paperless claims process | ✅ | Claims processed digitally via app or online portal. Fast reimbursements (typically <3 business days after approval). |
| Emergency vet service | ✅ | 24/7 “Live Vet” chat with licensed vet included in all plans. No phone emergency hotline. |
| Vet/clinic partner network | ❌ | No preferred provider network; policyholders can visit any licensed US, Canada, or Puerto Rico vet, specialist, or hospital. |
| Coverage abroad | ✅ | Worldwide coverage available; reimbursements in USD. Claims outside US, Canada, Puerto Rico require documentation in English and conversion to USD. |
Customer Reviews of Figo
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.9 / 5 (2,110 reviews) |
| N.C. | N.C. |
| N.C. | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Figo for their pets often mention:
- An easy and fast claims process, with many reporting reimbursements within days and a transparent breakdown of payments.
- Helpful, accessible, and courteous customer service, often described as supportive and responsive.
- A mobile app and digital portal that simplify policy management and claims submission.
- A sense of financial peace of mind in the event of pet emergencies or significant vet expenses.
On the negative side:
- A high number of complaints about denied claims for “pre-existing conditions,” sometimes seen as arbitrary or unexpected.
- Frustration with repeated requests for veterinary records and supporting documents, especially during policy updates or address changes.
- Reports of significant, sudden premium increases, particularly after claims or at policy renewal, often without warning.
- Confusing communication regarding coverage details, with some policyholders finding explanations lacking or inconsistent.
- Dissatisfaction with policy cancellations or missed payments not always being managed promptly or transparently.
Contacting Figo: A Comprehensive Guide
| 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. |
| To request and track a reimbursement | Submit your claim through the Figo Pet Cloud online portal or mobile app. Attach itemized vet invoices and 24 months of medical records for your pet. For assistance, contact support@figopetinsurance.com or call 844.738.3446. Reimbursements are processed within about 3 business days after all documents are received and are paid via direct deposit or check. |
| To obtain a certificate of insurance | Email support@figopetinsurance.com or call 844.738.3446 to request a certificate. Certificates can also be accessed via your Figo Pet Cloud account dashboard. |
| To contact assistance | For general and policy support, contact support@figopetinsurance.com or call 844.738.3446 (Mon–Fri, 7am–7pm CST). For 24/7 veterinary advice, use the Live Vet chat feature in the Figo Pet Cloud app. |
| To cancel my policy | Send a written request by email to support@figopetinsurance.com or mail to Figo Pet Insurance, 223 West Erie Street, Chicago, IL 60654. Include your policy number, contact info, and signature. A minimum 14-day notice is required before your next billing date; provide any requested ID or documentation. |
Attach itemized vet invoices and 24 months of medical records for your pet.
For assistance, contact support@figopetinsurance.com or call 844.738.3446.
Reimbursements are processed within about 3 business days after all documents are received and are paid via direct deposit or check.
Certificates can also be accessed via your Figo Pet Cloud account dashboard.
For 24/7 veterinary advice, use the Live Vet chat feature in the Figo Pet Cloud app.
Include your policy number, contact info, and signature.
A minimum 14-day notice is required before your next billing date; provide any requested ID or documentation.
FAQ
Do I have to pay upfront for veterinary fees with Figo?
Yes, with Figo you must pay your veterinarian directly for treatment at the time of service. Figo does not offer direct or third-party payment to veterinarians, so after your pet receives care, you submit a claim to Figo for reimbursement based on your chosen plan’s conditions.
How do I cancel my pet insurance policy with Figo?
To cancel your Figo policy, send a written request with your policy number and contact information to support@figopetinsurance.com or by mail. A minimum of 14 days’ notice before your next renewal date is required, and you may be asked for official identification or additional documents.
What does Figo’s standard policy cover?
Figo covers new accidents and illnesses after waiting periods, including diagnostics, surgery, hospitalization, prescribed medications, and eligible dental care due to illness or injury. Optional add-ons are available for preventive care, exam fees, alternative therapies, and wellness expenses, depending on the chosen tier and state.
How do I file and track a claim with Figo?
You can file your claim online through the Figo Pet Cloud portal or mobile app, by uploading your paid vet invoice and your pet’s last 24 months of medical history. Claims are typically processed within 3 business days. You can track claim status and payments through your online Figo dashboard.
Are pre-existing conditions covered under Figo plans?
Pre-existing conditions, defined as illnesses or injuries showing clinical signs before coverage starts or during waiting periods, are excluded from coverage. However, some conditions deemed “curable” with no symptoms or treatment for at least 12 months may be eligible. Full details are explained in your policy and may vary by state.
Can I use Figo insurance at any veterinarian?
Yes, Figo allows you to visit any licensed veterinarian, emergency clinic, or specialist in the US, Canada, or Puerto Rico. There are no requirements to choose specific clinics or networks—simply submit your paid invoice to Figo for reimbursement after your pet’s treatment.
Do I have to pay upfront for veterinary fees with Figo?
Yes, with Figo you must pay your veterinarian directly for treatment at the time of service. Figo does not offer direct or third-party payment to veterinarians, so after your pet receives care, you submit a claim to Figo for reimbursement based on your chosen plan’s conditions.
How do I cancel my pet insurance policy with Figo?
To cancel your Figo policy, send a written request with your policy number and contact information to support@figopetinsurance.com or by mail. A minimum of 14 days’ notice before your next renewal date is required, and you may be asked for official identification or additional documents.
What does Figo’s standard policy cover?
Figo covers new accidents and illnesses after waiting periods, including diagnostics, surgery, hospitalization, prescribed medications, and eligible dental care due to illness or injury. Optional add-ons are available for preventive care, exam fees, alternative therapies, and wellness expenses, depending on the chosen tier and state.
How do I file and track a claim with Figo?
You can file your claim online through the Figo Pet Cloud portal or mobile app, by uploading your paid vet invoice and your pet’s last 24 months of medical history. Claims are typically processed within 3 business days. You can track claim status and payments through your online Figo dashboard.
Are pre-existing conditions covered under Figo plans?
Pre-existing conditions, defined as illnesses or injuries showing clinical signs before coverage starts or during waiting periods, are excluded from coverage. However, some conditions deemed “curable” with no symptoms or treatment for at least 12 months may be eligible. Full details are explained in your policy and may vary by state.
Can I use Figo insurance at any veterinarian?
Yes, Figo allows you to visit any licensed veterinarian, emergency clinic, or specialist in the US, Canada, or Puerto Rico. There are no requirements to choose specific clinics or networks—simply submit your paid invoice to Figo for reimbursement after your pet’s treatment.
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