Figo Pet Insurance: Affordable & Comprehensive Coverage for Your Pet
Figo Pet Insurance – Pets are family, and just like humans, they need healthcare too. Unexpected vet bills can be stressful, but Figo Pet Insurance helps ease the financial burden with flexible, high-quality coverage. Whether your furry friend needs a routine checkup or emergency surgery, Figo ensures they get the best care without breaking the bank.
In this guide, we’ll explore Figo’s coverage options, pricing, claims process, and key benefits to help you determine if it’s the right choice for your pet.
Why Choose Figo Pet Insurance?
Figo stands out for its customizable plans, fast claims, and unlimited coverage options. Here’s why it’s a top choice for pet owners:
✅ No Vet Network Restrictions – Use any licensed vet in the U.S. or abroad.
✅ High Reimbursement Options – Get up to 100% of vet bills reimbursed.
✅ Quick Claims Processing – Most claims are paid within three days.
✅ 24/7 Virtual Vet Access – Free telehealth support via the Figo app.
✅ Multi-Pet Discount – Save when insuring more than one pet.
Figo Pet Insurance Plans & Coverage
Figo offers three main plans, each with different annual coverage limits. You can also adjust your deductible and reimbursement level to fit your budget.
Plan Comparison Table
| Plan | Annual Coverage Limit | Reimbursement Options | Deductible Range | Best For |
|---|---|---|---|---|
| Essential | $10,000 | 70%, 80%, 90%, 100% | $100 – $750 | Budget-conscious owners |
| Preferred | $14,000 | 70%, 80%, 90%, 100% | $100 – $750 | Balanced coverage |
| Ultimate | Unlimited | 70%, 80%, 90%, 100% | $100 – $750 | Maximum protection |
What’s Covered?
✔ Accidents & injuries (e.g., broken bones, poisoning)
✔ Illnesses (e.g., cancer, infections, allergies)
✔ Emergency care & hospitalization
✔ Surgery & specialist visits
✔ Diagnostic tests (e.g., X-rays, bloodwork)
What’s Not Covered?
❌ Pre-existing conditions
❌ Routine wellness (unless added as an extra)
❌ Breeding or elective procedures
How to File a Claim with Figo
Filing a claim with Figo is simple and fast:
- Pay Your Vet – After treatment, pay the bill upfront.
- Submit a Claim Online/App – Upload invoices & medical records.
- Get Reimbursed – Most claims are processed within three days.
You can track claims in real-time through Figo’s user-friendly app.
How Much Does Figo Pet Insurance Cost?
Prices vary based on:
- Pet’s age & breed – Older pets & certain breeds cost more.
- Location – Vet costs differ by state.
- Deductible & reimbursement percentage – Higher reimbursement means a higher premium.
Sample Monthly Costs
| Pet Type | Age | Essential Plan ($10K) | Preferred Plan ($14K) | Unlimited Plan |
| Dog (Labrador) | 3 yrs | $35 – $50 | $45 – $65 | $60 – $85 |
| Cat (Domestic Shorthair) | 5 yrs | $20 – $30 | $25 – $40 | $35 – $55 |
Note: Prices are estimates. Get a personalized quote on Figo’s website.
👍 Pros
✔ Unlimited coverage option – Great for chronic conditions.
✔ No vet restrictions – Choose any licensed vet.
✔ Fast payouts – Most claims processed in three days.
✔ 24/7 vet telehealth support – Free virtual vet consultations.
👎 Cons
❌ No routine wellness coverage – Unless added separately.
❌ Higher costs for older pets – Premiums increase with age.
Is Figo Pet Insurance Worth It?
Figo is a great choice for pet owners who want flexible, high-reimbursement pet insurance with no vet restrictions. It’s ideal for:
- Owners who want unlimited coverage – For peace of mind.
- Those who prefer fast claims & easy app access – Streamlined process.
- Families with multiple pets – Thanks to multi-pet discounts.
However, if you’re looking for built-in wellness coverage, you may need an add-on or a different provider.
Final Verdict: Should You Get Figo?
Figo Pet Insurance offers strong, customizable coverage with quick reimbursements and excellent customer service. While routine care isn’t included by default, its accident and illness protection ranks among the best in the market.
Best For:
✅ Pet owners who want high reimbursement rates
✅ Those looking for unlimited coverage
✅ Anyone who wants no vet restrictions
For a hassle-free pet insurance experience with great benefits, Figo is a solid choice!