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Figo Review: 24/7 Access to a Live Vet and 100% Policy Reimbursement

Review Updated
David Chang, ChFC®, CLU®
Author: David Chang, ChFC®, CLU®
David Chang, ChFC®, CLU®
David Chang, ChFC®, CLU®
Writer, Consultant

David S. Chang, ChFC®, CLU® is an award-winning entrepreneur, keynote speaker, author, and consultant. He has over two decades of experience in the wealth management space and has been featured in dozens of news, radio, and podcast programs nationwide. He currently works as Head of IoT for the West Region of a Fortune 200 company. He is a graduate of the United States Military Academy at West Point and currently a Lieutenant Colonel in the California Army National Guard. He is an East-West Graduate Degree Fellow and has an MBA from the UCLA Anderson School of Management.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

This pet insurer is a good fit for: Pet owners who appreciate being connected to a live veterinarian 24/7 and a robust cloud-based mobile app.

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Figo
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Figo Pet Insurance Snapshot

Pricing

The cost of pet insurance depends on many variables, such as the type of pet, breed, sex, age, location, annual coverage limit, and the deductible. Average premium costs can vary from $20 to $50 a month. The premium will also depend if you have included the optional exam fee coverage or not, and the discounts for which you are eligible. Figo states it has plans that start under $1.50 a day.

Discounts

Available discounts can vary by state and are subject to a maximum discount percentage. Some discounts are multi-pet discount, vet employee discount, and military veteran discount.

Perks
Figo states that most claims close in just 2.6 working days. Members have free 24/7 access to a licensed veterinarian. Figo doesn't cap claim payments by condition type and there are no lifetime maximums. Figo may cover pre-existing conditions considered curable if your pets show no signs or symptoms within 12 months of last treatment.

Customer Service

Figo has a robust mobile app where you can upload your vet bill and visit the claim tracker for updates. Members can phone, text, chat, email, or tweet Figo's customer service team. Policyholders can chat with a live vet 24/7.

Full Figo review

Pros

  • Free 24/7 access to a licensed veterinarian
  • Fast claims
  • 100% reimbursement option
  • Figo Pet Cloud app

Cons

  • Extra cost for vet exam fees
  • Extra cost for wellness coverage
  • Six-month waiting period before hips and knee injuries are covered

Top perks

Free 24/7 access to a licensed veterinarian

Figo's Pet Cloud Live Vet feature gives you direct access to a licensed veterinary professional. Customers can talk with a vet anytime and anywhere.

Fast claims

Figo states that most claims close in just 2.6 working days. Policyholders need to log into the Figo Pet Cloud from any device. After selecting the "Claims" icon and answering the online questions, policyholders upload/attach a copy of their paid invoice and submit their claim. The veterinarian will need to send a copy of the pet's medical records. Policyholders get paid electronically into their accounts. Figo also has a paper option.

100% reimbursement option

Figo is one of the few pet insurance companies with a 100% reimbursement option. Most plans cap coverage at 90%. Figo will reimburse 100% of your eligible expenses once you meet your deductible and up to your annual benefit. Figo has three annual benefits, $5,000, $10,000, or unlimited.

Figo Pet Cloud app

Figo also offers the Figo Pet Cloud app. Pet owners can use the app to connect with other pet owners, find pet parks, pet daycare centers, and more. Through the app, Figo offers free 24/7 access to a licensed veterinarian to help during emergencies.

What could be improved

Extra cost for vet exam fees

Veterinary exam fees are not included in the coverage. This optional cost must be added separately. These exam and consultation fees are related to the diagnosis and treatment of a new accident or illness.

Extra cost for wellness coverage

Policyholders will need to pay an additional fee for routine care. This coverage helps pay for vaccinations, spay/neuter, bloodwork, heartworm prevention, and more.

Six-month waiting period before hips and knee injuries are covered

Hip dysplasia coverage doesn't begin until after the six-month orthopedic waiting period.

Pricing

Figo states it has plans that start under $1.50 a day. The cost of pet insurance depends on many variables, such as the type of pet, breed, sex, age, location, annual coverage limit, and the deductible. The premium will also depend if you have included the optional exam fee coverage or not, and the discounts for which you are eligible.

Annual Benefits $5,000, $10,000, Unlimited
Deductible Levels Pets 5 and under: $100, $250, $500, $750 Pets 6 and 9: $250, $500, $750, $1,000 Pets over 10: $500, $750, $1,000, $1,500
Reimbursement Rates 70%, 80%, 90%, 100%
Data source: Figo

Alternatives to consider

If you want a pet insurer that offers 100% reimbursement and 24/7 vet hotline: Pets Best offers similar benefits to Figo, but Pets Best pays your vet directly, so you don't pay out of pocket. Pets Best also offers pet owners the option to add wellness coverage. Pets Best, however, doesn't offer comprehensive dental, and alternative therapies cost extra.

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Policy options

Figo offers comprehensive coverage and optional wellness programs.

  • Emergency & Hospitalization
  • Surgeries
  • Veterinary Specialists
  • Diagnostic Testing
  • Knee Conditions
  • Prosthetics & Orthopedics
  • Hereditary & Congenital
  • Prescriptions
  • Hip Dysplasia
  • Chronic Conditions
  • Dental Illness & Injury
  • Imaging
  • Cancer Treatments
  • Wellness Coverage (Optional Add On)
  • Veterinary Exam Fees (Optional Add On)

Figo offers an optional Extra Care Pack that consists of:

  • Final respects (up to $250 for cremation and burial)
  • Lost pet advertising/award
  • Vacation cancellation due to pet emergency, boarding fees, pet theft or loss due to straying (up to $150)
  • Third-party property damage liability (up to $10,000 per policy period and subject to a separate deductible)

Figo covers a variety of illness and accidents but does not cover certain procedures such as:

  • Pre-existing conditions -- Figo may cover pre-existing conditions considered curable if pets show no signs or symptoms within 12 months of last treatment.
  • Experimental procedures
  • Breeding, pregnancy, or giving birth
  • Cloned pets or cloning procedures
  • Cosmetic surgery
  • Most parasites

Discounts

Figo offers discounts such as multi-pets, military veterans, and vet employees. Available discounts can vary by state and are subject to a maximum discount percentage. People will need to contact customer experience to determine which discounts are offered in their state and to determine eligibility.

Application process

To get a policy from Figo, you can go to its website and click on the "Get a Quote" button at the top right of its page. You will be required to fill in: your pet's name, cat or dog, age, sex, breed, ZIP code, and your email address. You will then select your annual benefit, reimbursement level, and deductible. Based on the information, Figo will give you a customized quote. You can also choose the optional coverages. The application is completed online. If you prefer a paper application, you may call customer service to get a hard copy.

What types of pets are eligible for Figo Pet insurance?

Figo will cover any cat or dog breed.

Customer service and ratings

Figo's iOS app is rated 4.8 out of 5 stars and its Android app is rated 3.2 out of 5 stars. U.S News gives Figo 3.6 out of 5 stars and Forbes Advisor 4.5 out of 5 stars. On Trustpilot, Figo has a rating of 4 out of 5 and 912 reviews.

This pet insurer is a good choice for:

Figo is best suited for people who:

  • Want access to a live veterinarian 24/7
  • Want 100% reimbursement
  • Want a robust mobile app to file claims and connect with other pet owners

But you may want to consider Pets Best if you want the same coverage but with an insurer that will pay the vet directly so you don't pay out of pocket.