Figo Pet Insurance review

Figo keeps plan choice simple and pushes reimbursement further than anyone else on this list. There are three tiers: Essential reimburses up to $5,000 of eligible vet costs a year, Preferred up to $10,000 and Ultimate an unlimited amount. Depending on the plan, deductible and reimbursement options, Figo says up to 100% of covered vet bills can be paid back, with no copay. Cover works at any licensed vet worldwide, which suits owners who travel with their pets. Figo may cover curable pre-existing conditions once there are no signs or symptoms for 12 months after treatment. Plans have no upper age limit and pets can join from 8 weeks. Every policy includes free 24/7 access to a licensed veterinary professional, and a preventive care add-on pays for exams and routine care. Figo does not publish prices, so you need a quote. Policies are underwritten by Independence American Insurance Company.

Who it is for

Owners who want 100% reimbursement or who travel abroad with their pet.

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Essential, Preferred and Ultimate plans with $5,000, $10,000 or unlimited annual cover
• Reimbursement options up to 100%
• Any licensed vet worldwide
• Curable pre-existing conditions may be covered after 12 months without symptoms
• Free 24/7 live vet access and an optional preventive care add-on

Strengths and weaknesses

• Strength: Only insurer here that offers up to 100% reimbursement
• Strength: Cover at licensed vets worldwide
• Strength: No upper age limit
• Weakness: No published starting price
• Weakness: Annual cap of $5,000 or $10,000 unless you choose Ultimate
• Weakness: Wellness cover costs extra

Key facts

• Plans: Essential, Preferred, Ultimate
• Annual cover: $5,000, $10,000 or unlimited
• Reimbursement: Up to 100%
• Vets: Any licensed vet worldwide
• Underwriter: Independence American Insurance Company

Where it ranks

Figo Pet Insurance is No. 7 in our Best Pet Insurance verdict.