Is Figo Pet Insurance Worth It? Reviews 2025
Our expert's opinion on Figo
Figo Pet Insurance stands out in the US pet insurance market for its flexible, highly customizable plans and strong digital tools. With three core formulas, optional 'Powerups' like wellness and exam fee coverage, owners can fine-tune their policy to fit their animal’s specific needs—an advantage particularly valued for young or healthy adult pets, purebred animals, or owners seeking high reimbursement options (up to 100%). Annual deductible decreases by $50 each year a pet has no paid claim, and wellness coverage can be added, with up to six different tiers for routine/preventive care. Annual reimbursement limits and coinsurance rates (copays) are configurable; however, maximum payout details depend on each individual contract. Priced competitively, Figo’s full-featured digital platform, Pet Cloud, and 24/7 veterinary telehealth access set it apart from most traditional competitors, alongside consistently swift reimbursement processing: most claims are paid within 3 business days, far outperforming the market average. Trusted by over 2,100 reviewers on Trustpilot, Figo earns a solid 3.9/5, with clients regularly praising ease of use and transparency—though strict exclusions on pre-existing conditions and some administrative issues are cited. Figo is backed by Independence American Insurance Company, a national carrier, which provides robust reliability and regulatory standing. Overall, Figo suits those seeking flexibility, tech-enabled management, and strong reimbursement for accident and illness coverage, especially for animals with clean or simple medical histories.
- Highly customizable plans and straightforward add-ons
- Deductible reduces by $50 for each claim-free year
- Wellness coverage optional, six tiers available
- Fast claim payments, often under 3 days
- Accident and illness coverage includes genetic and chronic diseases
- Full-featured mobile app and Pet Cloud platform
- 24/7 free veterinary telehealth access
- Strict exclusions for pre-existing conditions
- Wellness and exam fee coverage only as paid add-ons
- Premiums may increase significantly upon renewal
- Complex claim documentation for some cases
- Client service sometimes lacks clarity or empathy
- Figo warranties
- Figo exclusions
- Figo Rates
- Figo Assistance
- Customer feedback on Figo
- How to contact Figo?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert annually reviews the terms and pricing of insurance policies available on the market to provide you with trustworthy and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us every month to help guide their most important financial decisions.
Figo warranties
Figo stands out by offering one of the most customizable pet insurance solutions in the US, with coverage adaptable via deductible, reimbursement %, and annual limit, plus a wide array of optional “Powerups” (Wellness, veterinary exam fees, holistic, behavioral, rehab, etc.) for fully tailor-made protection. The basic plan covers accidents and illnesses (including hereditary and chronic conditions), with up to 100% reimbursement or as selected, and a decreasing annual deductible rewarding claim-free years—anchors that distinguish Figo in the market. The optional Wellness add-ons provide preventive care up to defined annual caps, while other riders extend benefits to holistic, behavioral, and rehabilitative care, setting Figo apart for flexibility. Figo’s digital-first claims process (Pet Cloud), quick reimbursements, and 24/7 free vet access are significant advantages; however, strict exclusions persist on pre-existing/untreated conditions, routine care (unless “Wellness” is chosen), and the exact benefit structure depends on individual policy choices, potentially making the offer complex to navigate. Notable lacks include no standard dental cleaning, routine exams, or prescription food except via add-ons, and some policyholders report stringent underwriting on pre-existing conditions and annual premium increases.
| Guarantee Name | Figo – Modular “Pick Your Plan & Riders” (All Levels) |
|---|---|
| Formula positioning | Modular, fully customizable (choose deductible, % reimbursement, cap) |
| Coverage type | Accident & illness by default; prevention and add-ons by option |
| Covered animals | Cats and dogs (non-commercial use, unless agreed) |
| Reimbursement rate (%) | 70%, 80%, 90%, or 100% (choice at sign-up) |
| Annual reimbursement limit | Typically $5,000, $10,000, or unlimited (selected by client) |
| Deductible (annual/per-incident) | Annual, $100–$1,500 (selected); decreases $50/year when no claims |
| Min./max. age at enrollment – cats | Min.: 8 weeks; Max: none specified |
| Min./max. age at enrollment – dogs | Min.: 8 weeks; Max: none specified |
| Health questionnaire required? | No (but 24 months of health records on first claim) |
| Waiting period – illness | 14 days from start date |
| Waiting period – accident | 1 day from start date |
| Lifelong coverage if enrolled? | Yes, as long as premiums paid |
| Vet consultations (routine, emergency, specialist) | Only emergency/illness/accident visits covered w/ basic (routine via Wellness or Exam Fee Powerup) |
| Medications | Covered if prescribed in covered event |
| Hospitalization | Covered for eligible accidents/illness |
| Ambulance fees | Emergency transport covered |
| Surgery, anesthesia | Covered for eligible accidents/illness |
| Imaging (CT, MRI, ultrasound) | Covered for eligible accidents/illness |
| Lab tests | Covered for eligible accidents/illness |
| Radiation therapy | Covered for eligible conditions |
| Dental care | Dental care for accident/illness covered; routine cleaning via Wellness add-on |
| Dental cleaning/scaling | Only via Wellness Powerup (amount per Wellness tier) |
| Prevention package/allowance | Available as Wellness Powerup ($75–$250+/year for vaccines, shots, screening, flea/tick, etc.) |
| Alternative medicine (osteopathy, acupuncture...) | Available w/ Holistic Add-on; covers acupuncture, chiropractic, etc. |
| Therapeutic diet | Up to $250/year with Exam Fee Powerup |
| Covered countries/travel | Global (bills paid in USD, docs in English) |
| Death/cremation benefit | Not covered |
| Euthanasia | Covered for humane reasons |
| Theft/loss/search costs | Not covered |
| Boarding/kennel fees | Not covered |
Good to know
Vet exam/consult fee coverage and preventive care only apply if selected as add-ons; prescription food (therapeutic) covered only up to $250/year and only if Exam Fee Powerup is chosen.
Orthopedic (knee/ligament) issues in dogs have a 6-month waiting period, waivable with vet exam + paperwork in first 30 days.
Wellness add-ons have tiered limits for specific services (exams, vaccines, dental, microchipping, deworming, etc.) and are subject to annual maximums per item.
Some hereditary conditions may not be covered if pre-existing prior to start.
Conditions arising from missed/vaccinations or vet recommendations may be excluded.
Figo exclusions
Figo applies strict exclusions related to pre-existing conditions, including any illness, symptom, or injury observed before the policy starts or during waiting periods, with a notably restrictive stance compared to some competitors—especially for chronic or recurring conditions. Preventive care (routine exams, vaccinations, parasite control) and wellness expenses are excluded by default unless the “Wellness” rider is added, resulting in no coverage for these acts under the base plan. Holistic treatments, rehabilitation, and behavioral therapy are also systematically excluded unless the relevant optional coverage is purchased, which is less common in the US market.
There are no reimbursements for costs related to elective or cosmetic procedures, breeding or commercial use, non-urgent transport, or expenses resulting from the owner's non-compliance with veterinary recommendations, such as missed vaccines. In addition, coverage is void for claims arising from abuse, illegal acts, acts of war, epidemics or pandemics, and for care occurring outside the coverage period or territorial scope.
| Exclusions | Details |
|---|---|
| Medical-related exclusions | - Pre-existing conditions (illness, injury, or symptoms noted/documented before policy or during waiting periods) - Chronic or recurring conditions not deemed curable and without 12 months symptom-free - Routine check-ups, annual wellness exams, preventive treatments (unless Wellness rider) - Vaccinations, parasite control, spay/neuter (unless Wellness rider) - Elective/cosmetic surgeries and non-medically necessary treatments - Food, vitamins, supplements unless prescribed (and only with specific rider) - Holistic, alternative therapies, or behavioral and rehab care (unless relevant rider) - Treatments not following veterinary recommendations |
| Geographic & period exclusions | - Care given outside the insured period or after policy cancellation - Incidents outside declared address if not notified - Services provided outside of territorial limits or if documents/currencies are not compliant (must be in English/USD) - Care due to war, riot, nuclear incidents, or pandemic/epidemic |
| Identification & administrative | - Care provided without sufficient medical records (up to 24 months) - Claims submitted outside of the required declaration period (typically >180 days) - Multiple insurance contracts for same pet (only oldest valid) - Inaccurate or unreported change of address may void eligibility |
| Owner misconduct & excluded uses | - Malicious acts, negligence, abuse or deliberate injury - Expenses related to unlawful acts, neglecting mandatory vaccines or preventive care - Commercial, working, or breeding purposes unless specifically agreed and listed on Declarations Page - Non-urgent animal transport, boarding fees, funeral/cremation costs, or recovery after owner’s incarceration/death |
- Chronic or recurring conditions not deemed curable and without 12 months symptom-free
- Routine check-ups, annual wellness exams, preventive treatments (unless Wellness rider)
- Vaccinations, parasite control, spay/neuter (unless Wellness rider)
- Elective/cosmetic surgeries and non-medically necessary treatments
- Food, vitamins, supplements unless prescribed (and only with specific rider)
- Holistic, alternative therapies, or behavioral and rehab care (unless relevant rider)
- Treatments not following veterinary recommendations
- Incidents outside declared address if not notified
- Services provided outside of territorial limits or if documents/currencies are not compliant (must be in English/USD)
- Care due to war, riot, nuclear incidents, or pandemic/epidemic
- Claims submitted outside of the required declaration period (typically >180 days)
- Multiple insurance contracts for same pet (only oldest valid)
- Inaccurate or unreported change of address may void eligibility
- Expenses related to unlawful acts, neglecting mandatory vaccines or preventive care
- Commercial, working, or breeding purposes unless specifically agreed and listed on Declarations Page
- Non-urgent animal transport, boarding fees, funeral/cremation costs, or recovery after owner’s incarceration/death
Figo Rates
Figo occupies a median to moderately premium price position in the US pet insurance market. Its plans are highly customizable, and the ability to select high annual reimbursement rates—even up to 100%—alongside options for low deductibles and multiple covered add-ons (wellness, holistic care, exam fee coverage) generally positions its price above the most basic or limited competitors. Being a digital-first insurer with fully online claims, fast turnaround, and management via Pet Cloud provides efficiency gains and competitive operating costs versus traditional players, potentially balancing premiums for tech-savvy customers. However, the strict policy on pre-existing conditions and the modular approach (requiring additional riders for wellness or exam fees) can both contain and increase total cost, depending on the desired scope of coverage. Overall, Figo appeals to pet owners seeking flexible, tech-driven convenience with adjustable pricing whether aiming for economical basics or comprehensive protection, thus offering a mid-range to slightly above-average cost profile.
Compare plans below to ensure you find the best coverage and lowest price for your pet.
| Essential (Accident+Illness, 70% reimb., $500 annual deductible) | Preferred (Accident+Illness, 80% reimb., $250 deductible) | Ultimate (Accident+Illness+Exam+Holistic+100% reimb., $100 deductible) | Wellness Add-on (estimate, optional add-on) | |
|---|---|---|---|---|
| Young cat (2-4 yrs) | $23/mo | $28/mo | $42/mo | +$10 – $25/mo |
| Older cat (7-8 yrs) | $30/mo | $39/mo | $57/mo | +$10 – $25/mo |
| Small dog | $28/mo | $36/mo | $54/mo | +$13 – $34/mo |
| Small dog (2-4 yrs) | $26/mo | $33/mo | $51/mo | +$13 – $34/mo |
| Large dog (2-4 yrs) | $37/mo | $47/mo | $70/mo | +$13 – $34/mo |
| Senior dog (7-8 yrs) | $51/mo | $66/mo | $102/mo | +$13 – $34/mo |
Figo promo codes
| Figo Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance providers.
How much will I be reimbursed with Figo?
| Type of care | Average price (USD) | Figo “Wellness” add-on (Tier 6 – Prevention) | Figo Accident/Illness plan (100% reimbursement option, after deductible, with vet fees add-on) |
|---|---|---|---|
| Annual vaccines | $100 | Reimbursed $100 Out-of-pocket: $0 (no deductible/co-pay) | Not covered Out-of-pocket: $100 |
| Spay/neuter (sterilization) | $300 | Reimbursed $150 Out-of-pocket: $150 (no deductible/co-pay) | Not covered Out-of-pocket: $300 |
| Dental cleaning | $400 | Reimbursed $150 Out-of-pocket: $250 (no deductible/co-pay) | Not covered Out-of-pocket: $400 |
| Gastroenteritis (vomiting/diarrhea, incl. vet exam, tests, medication, fluid therapy) | $600 | Not covered Out-of-pocket: $600 | Reimbursed $600 Out-of-pocket: $0 (after deductible, 100%) |
| Fracture (surgery, X-rays, hospitalization) | $2,000 | Not covered Out-of-pocket: $2,000 | Reimbursed $2,000 Out-of-pocket: $0 (after deductible, 100%) |
Out-of-pocket: $0 (no deductible/co-pay)
Out-of-pocket: $100
Out-of-pocket: $150 (no deductible/co-pay)
Out-of-pocket: $300
Out-of-pocket: $250 (no deductible/co-pay)
Out-of-pocket: $400
Out-of-pocket: $600
Out-of-pocket: $0 (after deductible, 100%)
Out-of-pocket: $2,000
Out-of-pocket: $0 (after deductible, 100%)
Good to know
- Figo offers up to 100% reimbursement for accident/illness claims (best-case scenario, after annual deductible is met; deductible not included here, as per instructions).
- Wellness/preventive acts (such as vaccines, sterilization/neuter, dental cleaning) are only reimbursed if the “Wellness” add-on is purchased, and within the annual limits of the chosen Tier (here, Tier 6 – maximum tier for prevention).
- Dental cleaning is considered routine in wellness, not in illness/accident.
- All out-of-pocket amounts above are “excluding deductible”.
- If not covered by the add-on/option, the out-of-pocket cost is the full amount.
(For exact deductible or lower “Wellness” Tiers, reimbursement/out-of-pocket will vary. This table presents maximum benefit scenarios per plan option.)
Figo Assistance
Figo stands out for its fully digital claims process via the Pet Cloud platform, enabling fast reimbursements and easy claim tracking for pet owners.
Its 24/7 unlimited access to licensed veterinarians is a major asset, providing reassurance in emergencies—this is included as standard, unlike with many competitors.
The mobile app is intuitive and well-rated, allowing for quick claims submission, policy management, and resource access, though its ergonomics are not unique in the industry.
A significant gap is the absence of direct vet bill payment services (advance of fees), so policyholders must cover expenses upfront before reimbursement.
Figo does not offer a preferred provider or clinic network, but coverage extends internationally (reimbursement in USD, English documents), making it suitable for frequent travelers.
| Figo Assistance | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No direct-to-vet payment or advance of fees like CareCredit or Payvet. Owners pay upfront then claim. |
| Payment facilities | ✅ | Monthly payments with fixed fees are offered; annual payment option at no extra cost. |
| Mobile app | ✅ | App available on iOS and Android. Rated 3.9/5 on Trustpilot, praised for claim ease and quick access. |
| Digital claim management | ✅ | Claims are submitted fully online via app or Pet Cloud. Processing typically within 1–3 business days. |
| Emergency veterinary access | ✅ | 24/7 unlimited access to licensed vets by phone or chat. Included with all plans. |
| Clinical/vet partner network | ❌ | No preferred provider or partner clinic network; coverage valid with any licensed US/Canada vet. |
| International coverage | ✅ | Claims eligible worldwide, paid in USD, documentation in English required; suitable for travel, not long-term residence abroad. |
Customer feedback on Figo
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 3.9/5 (2,110 reviews) |
We have analyzed reviews from the sources listed above. On the positive side, policyholders who have taken out Figo Pet Insurance for their pets most often mention:
- The simplicity and speed of the digital experience: the app is easy to use, making claim submission intuitive and hassle-free, with fast processing—often within a few days and, in some cases, less than 24 hours.
- Quick and transparent reimbursements: many users praise how quickly their claims are reviewed, settled, and payments are made, with a breakdown of explanations provided.
- The peace of mind offered: customers appreciate the financial security of being able to afford quality care for their pets in emergencies or unexpected situations.
- Helpful and solution-oriented customer service: positive interactions are cited where the support team was attentive, explained the process clearly, and followed up on complex issues.
- Coverage of new illnesses and flexibility: policyholders are satisfied with coverage for conditions not deemed pre-existing and value the ability to personalize plans.
On the negative side:
- The high frequency of claim denials for "pre-existing conditions": many reviews complain that Figo tends to consider even newly appearing issues as pre-existing, leading to frustrations and denied claims.
- Administrative and communication challenges: customers mention repeated requests for documents, lack of clarity in communications regarding contract changes or payments, and difficulties understanding policy terms.
- Significant premium increases: some clients have experienced price hikes of 60% or more, which were unexpected and sometimes poorly communicated.
- Customer service sometimes perceived as lacking empathy or clarity: in difficult situations, several users found the support team unhelpful, especially regarding complex claims or appeals.
- Limited coverage without optional riders: core policies do not include routine care, annual exams, or vaccinations unless the "Wellness Powerup" is added, which caused disappointment among customers who expected more comprehensive coverage.
- The website is sometimes considered unclear or difficult to navigate, particularly for managing policies or understanding choices during enrollment.
How to contact Figo?
| Figo customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Or visit figopetinsurance.com/get-started to get a personalized quote in under 60 seconds. |
| To request and track a reimbursement | - Submit your claim via the Figo app or through the Pet Cloud™ digital platform. - You must provide: completed claim form, paid invoices, and for the first claim, a 24-month medical history for your pet. - Claims must be submitted within 180 days of the date of treatment. - Send documents via the app, online portal, fax, or email. - Reimbursement is usually issued within 3 business days after all documents are received (up to 30 days max). - Refunds are made by direct deposit or check. - For assistance, contact [email protected] or call 844.738.3446. |
| To obtain a certificate of insurance | - Contact Figo by email at [email protected] or by phone at 844.738.3446. - You may also request documents through your Pet Cloud™ or online account area. |
| To contact assistance | - For 24/7 veterinary advice & emergency help: access via Pet Cloud™/Figo app for real-time chat or call support. - Customer service: [email protected] or 844.738.3446. - Mailing address: 223 West Erie Street, Chicago, IL 60654. - For policy questions: you may write to 540 N Dearborn #10873, Chicago, IL 60610. |
| To cancel my contract | - You can cancel at any time by emailing [email protected], calling 844.738.3446, or sending a mail to 223 West Erie Street, Chicago, IL 60654. - Include your full name, policy number, and effective cancellation date. - If canceling within 30 days and no claims submitted, you are eligible for a full refund (“30 Day Money Back Guarantee”). - After 30 days or if a claim was filed, premiums will be refunded pro rata. - No specific notice period required, but better to notify as early as possible. - Keep proof of your cancellation request. |
Or visit figopetinsurance.com/get-started to get a personalized quote in under 60 seconds.
- You must provide: completed claim form, paid invoices, and for the first claim, a 24-month medical history for your pet.
- Claims must be submitted within 180 days of the date of treatment.
- Send documents via the app, online portal, fax, or email.
- Reimbursement is usually issued within 3 business days after all documents are received (up to 30 days max).
- Refunds are made by direct deposit or check.
- For assistance, contact [email protected] or call 844.738.3446.
- You may also request documents through your Pet Cloud™ or online account area.
- Customer service: [email protected] or 844.738.3446.
- Mailing address: 223 West Erie Street, Chicago, IL 60654.
- For policy questions: you may write to 540 N Dearborn #10873, Chicago, IL 60610.
- Include your full name, policy number, and effective cancellation date.
- If canceling within 30 days and no claims submitted, you are eligible for a full refund (“30 Day Money Back Guarantee”).
- After 30 days or if a claim was filed, premiums will be refunded pro rata.
- No specific notice period required, but better to notify as early as possible.
- Keep proof of your cancellation request.
FAQ
Do I have to pay the vet bill upfront with Figo?
With Figo, you are responsible for paying your pet’s veterinary bill at the time of service. Figo does not offer a direct pay or third-party payment system such as Payvet; you’ll submit a claim after your visit, and Figo will reimburse eligible expenses according to your policy.
How do I cancel my Figo pet insurance policy?
You can cancel your Figo pet insurance policy at any time by calling, emailing, or using your online Figo account. There’s no minimum notice period, but it’s best to notify Figo before your next billing cycle. No special documents are required—just provide your policy details. If you cancel within 30 days and have not made any claims, you may be eligible for a full refund.
Are pre-existing conditions covered by Figo?
Figo generally excludes pre-existing conditions from coverage. However, if your pet had a curable condition and has shown no symptoms or treatment for at least 12 months, certain issues may become eligible for coverage. Always review their policy wording or ask Figo directly about your animal’s medical history.
How quickly does Figo process claims and issue reimbursements?
Most claims submitted to Figo are processed within three business days, and many pet owners report receiving reimbursements in under a week. You can file claims digitally through the Figo app or website by uploading invoices and records, which significantly streamlines the process.
Does Figo cover routine and preventive care like vaccines and wellness exams?
Routine care such as wellness exams, vaccinations, and annual tests are not included in standard Figo plans. However, you can add a “Wellness” package for an additional cost, which offers customizable reimbursement for preventive care, based on the level of coverage you choose.
Do I have to pay the vet bill upfront with Figo?
With Figo, you are responsible for paying your pet’s veterinary bill at the time of service. Figo does not offer a direct pay or third-party payment system such as Payvet; you’ll submit a claim after your visit, and Figo will reimburse eligible expenses according to your policy.
How do I cancel my Figo pet insurance policy?
You can cancel your Figo pet insurance policy at any time by calling, emailing, or using your online Figo account. There’s no minimum notice period, but it’s best to notify Figo before your next billing cycle. No special documents are required—just provide your policy details. If you cancel within 30 days and have not made any claims, you may be eligible for a full refund.
Are pre-existing conditions covered by Figo?
Figo generally excludes pre-existing conditions from coverage. However, if your pet had a curable condition and has shown no symptoms or treatment for at least 12 months, certain issues may become eligible for coverage. Always review their policy wording or ask Figo directly about your animal’s medical history.
How quickly does Figo process claims and issue reimbursements?
Most claims submitted to Figo are processed within three business days, and many pet owners report receiving reimbursements in under a week. You can file claims digitally through the Figo app or website by uploading invoices and records, which significantly streamlines the process.
Does Figo cover routine and preventive care like vaccines and wellness exams?
Routine care such as wellness exams, vaccinations, and annual tests are not included in standard Figo plans. However, you can add a “Wellness” package for an additional cost, which offers customizable reimbursement for preventive care, based on the level of coverage you choose.
