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Best for Reimbursement Options

With veterinary care so expensive for a major accident or illness, you could be on the hook for thousands of dollars, even with pet insurance to help. That's because co-insurance requirements and payment limits can significantly offset any savings from having a policy.

FIGO pet insurance offers an alternative. Its multiple reimbursement options include plans that completely cover your pet’s treatments, with no copays. Unlike most pet insurers, the company doesn’t cap the annual bills it will pay, although it does impose lifetime caps on treatment costs.

More complete coverage does tend to drive up the cost of premiums. Still, FIGO is one of our choices for the best pet insurance companies because of the option to choose full reimbursement of your bills, as well as the absence of any caps on coverage.

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Compare Pet Insurance Policies

Up to 90% Vet Bill Reimbursement

  • Unlimited reimbursement, use at any vet
  • Covers illnesses, conditions & accidents
  • Add on dental insurance & prescription coverage
  • Optional wellness plan for routine check-ups, grooming & training costs

24/7 Telehealth Helpline

  • 30-Day Money-Back Guarantee*
  • Up to 90% reimbursement on eligible vet bills
  • Multi-pet discount & access to 24/7 vet helpline
  • Visit any U.S. licensed veterinarian or specialist
  • *Subject to terms and conditions. 

No Breed or Upper Age Restrictions

  • No breed or upper age restrictions
  • 90% reimbursement rate, even for older pets
  • Dental illness and hereditary conditions covered at no extra cost
  • 10% discount for each additional pet you enroll

No Upper Age Limit on Enrollment

  • Save up to 90% off eligible vet bills
  • Accidents, illness & routine care
  • Easy online claims submissions
  • Wide range of plans & coverage options for your furry friend

Coverage for Pets of Any Age and Breed

  • 2023 Pet Insurance of the Year Award Winner
  • No Lifetime or Per Incident Limits
  • Most Claims Processed in 5 Days or Less
  • One of the Shortest Waiting Periods for Accident & Illness Coverage

FIGO Pet Insurance Pros and Cons

Pros
  • Up to 100% reimbursement with no annual limits
  • No upper age limit for coverage
  • Free 24/7 vet helpline included
  • Low deductibles available
Cons
  • No coverage for hereditary conditions if pet is enrolled after second birthday
  • Wellness benefits have low payout limits
  • Some benefits like exam fees and physical therapy need a separate rider

Pros Explained

Up to 100% reimbursement available with no annual limits

Where most companies offer reimbursement levels of between 70% and 90% of your bills, FIGO Pet Insurance stands out for also offering a 100% payment option — that is, no co-pay at all. However, you still need to pay upfront; as with most pet insurance companies, FIGO works on a reimbursement model where you are reimbursed after filing a claim with your insurer.

No upper age limit for coverage

Almost all insurance companies have age restrictions for new policies — sometimes as low as 10 years. FIGO, though, has no upper age limit.

Free 24/7 vet helpline

FIGO’s Pet Cloud app allows customers to connect, at no extra charge, with licensed veterinarians 24 hours a day, seven days a week. You can get answers to your questions, receive advice on whether urgent care is needed, or discuss medical or mobility issues your pet is experiencing.

Low deductibles available

FIGO’s deductibles start at just $100 — a very low figure. While a lower deductible means you’ll pay a higher premium, as a rule, you won’t have to worry about covering a large deductible when your pet needs treatment.

Cons Explained

No coverage for hereditary conditions if the pet is enrolled after its second birthday

FIGO’s policy on hereditary conditions is stricter than most. On all plans, FIGO won’t cover hereditary conditions — such as hip dysplasia — in a pet that is enrolled after its second birthday, regardless of when the pet is diagnosed or treated. That’s a significant difference from some other pet insurers that cover hereditary conditions as long as they weren’t pre-existing when the pet was enrolled.

Some benefits need a separate rider

FIGO’s rider options include exam and office fees, rehabilitation and physical therapy, training and behavioral modification and alternative medicine. While this ample selection allows pet owners to customize the policy and add coverage benefits as needed, pet owners should note that other providers already include some of these benefits — like office and exam fees, physical therapy and alternative medicine — in their standard policy or wellness plan.

Low annual limits for wellness benefits

FIGO offers two wellness plans that cover exams, vaccines, preventive medication, spay/neuter procedures, teeth cleaning and microchipping. The difference between each plan is the annual maximum limit allotted for each procedure. The downside of this plan is FIGO’s payout structure — benefits are split in categories and the payout limit applies to the type of benefit, not the individual procedure. This means pet owners may exhaust their vaccine benefit in just a single shot, considering the average out-of-pocket costs of vaccinations.

FIGO Plans

The Essential plan is the most affordable option.

  • Annual Maximum: Up to $5,000 in annual benefits
  • Reimbursement Options: 70%, 80%, 90% or 100%
  • Deductibles: $100 to $1,500

FIGO offers three insurance plans for dogs and cats that cover unexpected accidents and illnesses. The three plans cover the same procedures, tests and treatments, but differ in annual payout limits and lifetime maximums.

Essential

Lifetime Maximum: $100,000

Preferred

The Preferred plan is FIGO’s most popular policy.

  • Annual Maximum: Up to $10,000 in annual benefits
  • Reimbursement Options: 70%, 80%, 90% or 100%.
  • Deductibles: $100 to $1,500.
  • Lifetime Maximum: $150,000

Unlimited

  • Annual Maximum: Unlimited annual benefits
  • Reimbursement Options: 70%, 80%, 90% or 100%.
  • Deductibles: $100 to $1,500.
  • Lifetime Maximum: Unlimited

Optional Features

FIGO only has one optional feature for its policies. At extra cost, you can add veterinary exam coverage to your plan. This rider will cover exams or consultation fees that are required for the diagnosis and treatment of your pet for an eligible illness or accident. The rider does not cover wellness visits or preventative care exams.

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FIGO Cost/Pricing Tier

In a past price survey, we found FIGO’s premiums to be in the middle range — neither notably more or less expensive than other insurers in the marketplace. To give you an idea of what premiums to expect, we requested quotes for dogs and cats of different breeds at varying ages.

Rate quotes are for a pet owner in Orlando, FL, and are based on a $10,000 annual reimbursement limit, a $500 deductible and a 70% reimbursement percentage. Your premiums may vary since they’re dependent on your pet’s species, breed, age and location.

Sample monthly pricing for dogs

1 year old 5 years old 8 years old (60% reimbursement) 13 years old (60% reimbursement)
Cocker Spaniel $37.01 $48.70 $105.91 $162.72
Labrador Retriever $26.22 $34.51 $78.21 $115.31
Pomeranian $21.75 $28.63 $62.26 $95.66

Sample monthly pricing for cats

1 year old 5 years old 8 years old (60% reimbursement) 13 years old (60% reimbursement)
Domestic Shorthair $20.10 $26.45 $57.52 $88.38
Maine Coon $16.04 $18.76 $43.24 $89.36
Russian Blue $14.80 $17.31 $39.90 $82.46

Discounts

According to the company, there may be discounts available in some states, but they can only be accessed by calling FIGO’s customer service team.

FIGO Financial Stability

When choosing a pet insurance company, it's reassuring to know the company is financially stable and can pay out future claims — which you can do by checking AM Best’s Financial Strength Ratings (FSRs).

AM Best placed the rating of A- (Excellent) in Financial Strength for Independence American Insurance Company — FIGO’s parent company.

FIGO Accessibility

Like many other pet insurance companies, FIGO has a blog with educational resources and an online quote tool. Its Pet Cloud app allows customers to find local dog walkers, pet boarding facilities and pet-friendly parks. Policyholders can also use the app to consult free with a veterinarian 24/7.

FIGO also has an online chat feature staffed by experts during its business hours, which some insurers lack. On the other hand, it doesn’t have the 24/7 phone support for general inquiries or policy questions that some companies offer.

Availability

FIGO is available to residents in all 50 states and the District of Columbia. You can also use your coverage at any veterinarian or specialist in Canada or Puerto Rico.

Contact Information

Customer support is available by phone, text, chat or email. To get help, call 844-738-3446, text 844-262-8133 or email support@figopetinsurance.com.

Customer service is only available during the following times:

  • Monday through Friday: 7:00 a.m. until 7:00 p.m. CST
  • Saturday: 8:00 a.m. until 6:00 p.m. CST
  • Sunday: 11:00 a.m. until 3:00 p.m. CST (text support only)

User Experience

If you’re a FIGO policyholder, you can create a Pet Cloud account to manage your pet’s policy. You can upload and send documents, make payments, share your pet’s medical records and get care reminders through the Pet Cloud app.

Coverage Limitations

FIGO only insures dogs and cats. Exotic animals are not eligible for FIGO’s pet insurance policies.

FIGO Customer Satisfaction

Opinions are middling at best when it comes to how existing customers rate FIGO pet insurance. It has an Average TrustScore on TrustPilot -- scoring 3.7 out of 5, based on approximately 680 reviews. FIGO is accredited by the Better Business Bureau, but it scores 1.17 out of five based on 54 reviews, a lower-than-average rating.

FIGO FAQ

Who owns FIGO pet insurance?

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FIGO is an independent provider of pet insurance that is based in Chicago, Illinois. Its policies are underwritten by Independence American Insurance Company.

In what states is FIGO pet insurance available?

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FIGO issues pet insurance policies to residents of all 50 states and the District of Columbia.

How does FIGO pet insurance rank?

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FIGO is a well-regarded company. It made our list of best pet insurance companies of 2021, and it was our choice for the best company offering 100% reimbursement.

The company that underwrites FIGO's policies, Independence American Insurance Company, has an "A-" (Excellent) rating from AM Best, although that score is currently under review due to a pending change in ownership for FIGO's pet insurance business.

How We Evaluated FIGO Pet Insurance

To review FIGO pet insurance, we looked at the following factors:

  • Typical premiums
  • Plan options
  • Reimbursement amounts
  • Annual and lifetime caps
  • Policy exclusions and restrictions
  • Wellness benefits
  • Customer support
  • Customer reviews
  • Third-party ratings

Summary of Money’s FIGO Pet Insurance Review

Even with pet insurance, the cost of emergency veterinary care for your dog or cat can be high. FIGO is among the companies that allows you to reduce or even eliminate the sticker shock of those bills. The company’s options include getting up to 100% reimbursement after meeting your deductible, and that deductible can be as low as $100. And FIGO doesn’t cap the age at which it will insure animals, making it a useful option if you have senior pets.

Be aware, however, that opting for reduced co-pays and a lower deductible means your policy will cost you more — perhaps a lot more — than the norm in premiums. Similarly, the average premium for insuring a 10-year-old dog or cat is at least two-and-a-half times as much as those for an animal aged 3 or less, according to a Money price survey.

Also, FIGO hereditary conditions aren’t covered if your pet isn’t enrolled by its second birthday. Before enrolling in a plan, review the company’s terms and conditions so you can decide if FIGO is right for you.

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