From Yahoo Finance: 2025-06-04 16:53:00

Figo pet insurance offers a range of coverage options but has some downsides. Costs are 14% above average, and additional coverage for vet exam fees and alternative care requires purchasing “Powerups.” However, Figo is the only insurer with a 100% reimbursement option and covers curable preexisting conditions. Customers also get a 24/7 vet helpline.

Pros of Figo include a diminishing deductible, coverage for behavioral therapy and dental illness, and the ability to cover prescription food and euthanasia. Cons include limited annual maximums and deductible/reimbursement choices. Special waiting periods exist for cruciate ligament issues in dogs. Boarding, grooming, and certain conditions are not covered.

Figo’s comprehensive policy covers hereditary conditions, cancer, diagnostics, dental issues, behavioral therapy, prescription drugs, and euthanasia. Their Wellness Powerup adds coverage for routine care expenses like vaccinations. Preexisting conditions are only covered if curable and symptom-free for 12 months.

Figo’s average premium is 14% higher than competitors. Rates for policies with $5,000 or unlimited coverage are above average. A 5% multi-pet discount is available, but Figo does not pay vets directly. Claims must be submitted within 180 days and are typically processed within 30 days. The Pet Cloud app allows for easy claim filing and communication with vets.

To cancel a Figo policy, contact the company by phone, email, or mail. Refunds are prorated after the first 30 days. Figo does not require a vet exam to purchase insurance. Contact customer service via phone, text, fax, or email for assistance.

Research on 15 pet insurance plans ranked Figo based on coverage types, average cost, unlimited coverage options, direct payments to vets, waiting periods for special conditions, routine wellness plans, and multi-pet discounts. Figo scored well in some areas but had higher costs compared to competitors.



Read more at Yahoo Finance: Figo pet insurance review 2025