Founded in 2012, FIGO is an online pet insurance provider offering coverage for both cats and dogs. Their plans cover most illnesses and injuries, allow you to visit any licensed veterinary practice, emergency hospital or specialist in the world, and are customized to meet your specific situation.
FIGO has also held accreditation from the Better Business Bureau since 2016 and currently holds a 4.3/5 customer rating on Trustpilot based on over 600 reviews.
What’s Covered by FIGO?
FIGO’s business model is very straightforward: In the event that your dog or cat suffers a covered illness or injury, you can take them to any licensed vet in the world, give your paid bill to FIGO and then, based on your plan (Essential, Preferred or Ultimate), deductible ($500 to $1,500) and reimbursement options (70% to 100%), you get up to 100% reimbursement for any covered costs.
You can get reimbursement for any costs resulting from:
- Exam & Consultation Fees (optional)
- Emergency & Hospitalization
- Veterinary Specialists
- Hereditary & Congenital Conditions
- Chronic Conditions
- Cancer Treatments
- Knee Conditions
- Prosthetics & Orthopedics
- Hip Dysplasia
Like most pet insurance providers, FIGO doesn’t cover pre existing conditions, which they describe as “conditions that first occurred or showed clinical signs before your pet's coverage started or during the waiting periods.”
In addition to preexisting conditions, FIGO doesn’t cover expenses related to:
- Routine, Wellness or Preventative Care
- Spaying or Neutering
- Experimental Procedures
- Breeding, Pregnancy or Giving Birth
- Cloned Pets or Cloning Procedures
- Cosmetic Surgery
- Coprophagia (the medical term for "eating poop")
FIGO offers a $100,000, $150,000 and Unlimited Lifetime Maximum Benefit (the amount of coverage you can benefit from over the course of your pet’s life), depending on the plan you choose. Similarly, they offer $5,000, $10,000 and Unlimited Annual Veterinary Benefits (the amount of coverage you can benefit from in a single year), also depending on the plan you choose.
Regardless of your plan, however, you can conveniently take your pet—who must be at least 8 weeks old—to any licensed veterinarian in the world (at least, new customers after December 2019 can.) This makes FIGO perfect for those who like to take their companion on the road with them.
One thing to keep in mind is that FIGO does employ waiting times before you can benefit from your coverage, all starting the day after enrolment or the day you select as your policy effective date. While most of these waiting times are short—3 days for accident coverage and 14 days for illness coverage—their waiting period for knee condition coverage currently stands at 6 months.
How Do You Sign Up for FIGO?
Signing up for FIGO is easy and can be accomplished in a matter of minutes. You just have to provide your pet’s name, size, breed, gender, age, your ZIP, email, and any promos you have.
After this, FIGO will immediately show you your personalized plan options. You’re then asked to choose which plan you want, your preferred reimbursement percentage (70% to 100%) and your preferred deductible amount ($500 to $1,500.) All that’s left after this is to check out.
If at any point you need help or clarification, you can also contact FIGO’s customer service team via phone, email, chat, text, or Facebook messenger
And while you can manage everything from your dashboard on FIGO’s website, you can also download FIGO’s Pet Cloud app to manage everything from your phone. This app not only allows you to submit claims on the fly with the help of their AI chat assistant Evie, but it also provides all of the following:
- Ability to video chat with a licensed vet 24/7
- Real-time claims tracker
- Push notification reminders (for appointments, pet medication, birthdays, etc.)
- Cloud-based storage for all pet medical records
- Ability to locate pet-friendly places (restaurants, hotels, etc.) and connect with other pet parents in your area
What’s FIGO’s Process for Filing a Claim?
A large part of FIGO’s appeal is the ease with which you can file a claim. To file a claim, you simply have to:
- Log into your Figo Pet Cloud from any device.
- Select the “Claims” icon and answer the online questions.
- Upload/attach a copy of your paid vet bill and submit your claim.
- Have your veterinarian send them your pet’s medical records.
That’s all there is to it. You can then follow your claim status as it’s processed and automatically get paid via direct deposit.
How Much Does FIGO Cost?
While plans start at $1.50 per day, FIGO’s pricing is affected by a number of factors, including what kind of pet you have (dog or cat), the age and breed of your pet, your zip code, and what plan you choose: Essential, Preferred or Ultimate.
While all three of these plans cover the same injuries and illness, they differ in the following ways:
- Annual Verinary Benefits: $5,000
- Chiropractice and Acupuncture: $350
- Lifetime Maximum Benefit: $100,000
- Annual Verinary Benefits: $10,000
- Chiropractice and Acupuncture: $600
- Lifetime Maximum Benefit: $150.000
- Annual Verinary Benefits: Unlimited
- Chiropractice and Acupuncture: $1,000
- Lifetime Maximum Benefit: Unlimited
Your pricing is also dependent on what percentage of reimbursement you want (the higher the percentage, the higher your monthly premium will be) and the amount of your deductible (the lower the deductible, the higher your monthly premium will be.)
Finally, you can expect to pay more if you want to add on coverage for Veterinary Exam Fees, although this is completely optional.
To give you an idea of what you can expect to pay, for coverage of a mixed, medium, male, 10-year-old dog in Columbus, Ohio with 70% reimbursement and a $750 deductible, the monthly cost was as follows:
- Essential: $70.49 per month
- Preferred: $79.77 per month
- Ultimate: $83.25 per month
To add on coverage for Veterinary Exam Fees, it was an additional $7.20 to $26.79 per month.
FIGO is arguably more than just a pet insurance provider. Yes, they have world-wide vet coverage, support for just about any injury illness that could happen to your dog or cat, convenient claim filing and flexible reimbursement and deductible options; but through everything offered in their Pet Cloud app, you can also manage nearly every aspect of your pet’s life with ease, from consulting their 24/7 online vets to seeing what dog parks in your area.
The nice thing is that if you’re still shopping around and trying to compare your options, you can fill out a quote and see what FIGO personalized plans are available to you in just a couple of minutes.