When it comes to protecting your furry companions, finding the right pet insurance like Figo pet insurance review is crucial. With rising veterinary costs, a good insurance plan can save you thousands while ensuring your pet gets top-notch care. Among the many providers in the market, Figo Pet Insurance stands out as a popular choice for pet parents in the US. But does it really live up to the hype? In this detailed Figo Pet Insurance review, we’ll break down its coverage, pricing, pros and cons, and customer experiences to help you decide if it’s the right fit for your pet.
What is Figo Pet Insurance Review?
Figo Pet Insurance is a pet health insurance provider offering comprehensive coverage for dogs and cats. Established in 2013, Figo has built a reputation for its cloud-based technology, seamless claim process, and customizable plans. Unlike traditional pet insurers, Figo leverages AI-driven claims processing through its Pet Cloud app, making it easier for pet owners to manage policies and reimbursements.
Figo Pet Health Insurance Coverage Options
Figo provides flexible coverage tailored to different needs. Their plans typically cover:
- Accidents & Injuries: Broken bones, cuts, poisoning, and emergency surgeries.
- Illnesses: Infections, chronic conditions, digestive issues, and more.
- Hereditary & Congenital Conditions: Coverage for genetic disorders (hip dysplasia, heart conditions, etc.).
- Cancer Treatments: Chemotherapy, radiation, and other advanced treatments.
- Prescription Medications: Drugs prescribed by veterinarians for covered conditions.
- Alternative Therapies: Acupuncture, chiropractic care, and rehabilitative therapy.
- Diagnostic Tests: X-rays, MRIs, blood work, and other essential screenings.
- Surgery & Hospitalization: Emergency and planned surgeries, overnight stays.
Optional Add-ons:
- Wellness & Preventive Care (vaccinations, dental cleanings, annual check-ups).
- Veterinary Exam Fees (some policies exclude vet visit charges).
- Rehabilitation & Physical Therapy (additional therapies for recovery).
How Much Does Figo Pet Insurance Cost?
Pricing for Figo Pet Insurance varies based on several factors, including your pet’s breed, age, location, and chosen coverage level. On average, here’s what you can expect:
- Dogs: $30–$70 per month
- Cats: $20–$40 per month
Figo allows pet owners to customize plans with deductibles ranging from $100 to $750 and reimbursement rates from 70% to 100%. This flexibility makes it easier to find a plan that fits your budget while maximizing coverage.
Pros and Cons of Figo Pet Insurance
Pros:
No Upper Age Limits – Unlike some providers, Figo covers older pets.
100% Reimbursement Option – Get full reimbursement on eligible claims.
Fast Digital Claims Processing – AI-driven claims processing speeds up reimbursements.
Customizable Plans – Choose your deductible, coverage limits, and reimbursement percentage.
24/7 Virtual Vet Access – Free telehealth consultations via the Pet Cloud app.
Cons:
Exam Fees May Not Be Covered – Unless you add an optional rider.
Some Plans Have Annual Coverage Limits – Unlike unlimited plans from competitors.
Premiums May Increase With Age – As your pet gets older, monthly rates can rise.
Figo Pet Insurance Customer Reviews: What Are Pet Owners Saying?
Figo has received generally positive reviews from pet owners across the US. Customers praise its quick claims processing, excellent customer service, and easy-to-use mobile app. However, some users report occasional premium increases and issues with coverage for pre-existing conditions.
Trustpilot & BBB Ratings:
Trustpilot: 4.5/5 (based on thousands of reviews) Better Business Bureau (BBB): A+ rating
Is Figo Pet Insurance Worth It?
If you’re looking for a pet insurance provider that offers tech-friendly solutions, fast claim approvals, and comprehensive coverage, Figo is a solid choice. While its premiums may be slightly higher for some breeds, its 100% reimbursement option, no upper age limits, and 24/7 virtual vet access make it a top contender.
Before signing up, compare plans based on your pet’s needs and budget. Also, review exclusions carefully to avoid surprises.
Final Verdict: Should You Get Figo Pet Insurance?
For US pet owners who want reliable coverage with a seamless digital experience, Figo is a great option. If you prioritize affordability over premium features, consider comparing it with alternatives like Healthy Paws, Embrace, or ASPCA Pet Insurance.
For more expert insights and other insurances, stay tuned to our blog!
