Overview

Searching for the right pet insurance? Figo Pet Insurance stands out with its comprehensive, customizable policies, easily accessible through their cutting-edge app. Customers appreciate Figo for its competitive monthly premiums, tailored coverage options, and efficient claims process. Figo offers essential medical coverage for dogs and cats, along with optional wellness plans for preventative care.

Figo's unique feature is its 24/7 virtual vet visits available through the app, offering peace of mind and instant access to professional advice. Coverage includes accidents, illnesses, and even advanced treatments like surgeries and chronic condition management.

Founded in 2013, Figo offers pet insurance exclusively, focusing on providing the best possible care for pets. Policies start at competitive rates, and Figo provides various discounts, including multi-pet discounts.

Coverage is extensive, but note that routine care, like vaccinations and dental cleaning, may require additional wellness plan purchases. Policies typically exclude pre-existing conditions, cosmetic procedures, and breeding-related expenses.

Figo has received high ratings for its customer service and user-friendly app. It has been featured in publications like "Pet Life Today" and "Canine Journal," earning a solid reputation among pet owners.

Policies

Figo pet insurance coverage includes:

- Diagnostics: Lab tests, X-rays, ultrasounds, and MRIs.

- Procedures: Includes surgeries, hospitalizations, emergency care, and specialty treatments.

- Medication: Prescription drugs and injections.

- Accidents and Illnesses: Covers unexpected injuries, illnesses, and emergency treatments.

- Chronic Conditions: Long-term diseases like diabetes, arthritis, and cancer.

The basic plan covers emergency treatments, medications, and procedures. Optional wellness packages cover routine care such as:

- Annual wellness exams

- Vaccinations

- Heartworm and flea prevention

- Spaying/neutering

Manage your policies and claims through the Figo app, available on both iOS and Android. Claim processing is straightforward, usually requiring only the submission of the vet invoice.

Limitations

Exclusions include pre-existing conditions, cosmetic procedures, and breeding costs. Figo doesn't have a maximum age limit for enrollment but may adjust coverage based on the pet’s age and breed.

Figo is available in most states in the U.S., offering wide coverage across the country. However, coverage options may vary by state.

Cost

Visit the Figo website for a personalized quote. Monthly premiums start competitively, influenced by your chosen deductible, reimbursement level, and policy limit.

Costs vary based on your pet's age, breed, and health status, averaging between $30 - $70. Policy limits range from $5,000 to unlimited. Wellness coverage costs extra, depending on the chosen plan.

Sample Coverage for a 3-year-old dog

- $30.25 a month (including wellness coverage)

- 80% Reimbursement

- $200 deductible

- Unlimited annual payout

Customer Support

Figo's customer support is known for its responsiveness and efficiency, primarily handled through their app and website. For more complex issues, customers can reach out via phone or email. Figo's social media presence is also strong, with active accounts on platforms like Facebook, Twitter, and Instagram.

Real customer reviews often highlight Figo's user-friendly app, efficient claim processing, and helpful customer service. However, some reviews mention limitations in coverage and occasional delays in claim processing.