Introduction
Figo Pet Insurance is one of the most popular pet insurance providers in the U.S., offering comprehensive coverage for dogs and cats. If you’re considering Figo for your pet’s health needs, one of the most important questions you may have is: How much does Figo Pet Insurance cost? This guide breaks down Figo’s pricing, factors that affect premiums, and whether it’s worth the investment.
Figo Pet Insurance Pricing Overview
Figo Pet Insurance offers customizable plans, allowing pet owners to choose their deductible, reimbursement rate, and coverage limits. On average, Figo pet insurance costs between:
✅ $20 – $70 per month for dogs
✅ $10 – $40 per month for cats
However, prices can vary depending on several factors, including your pet’s breed, age, location, and chosen coverage options.
Factors That Affect Figo Pet Insurance Cost
1. Pet’s Breed
Certain breeds are more prone to medical conditions, affecting insurance costs. For example:
- Larger dog breeds (like Great Danes) tend to have higher premiums.
- Purebred dogs and cats often cost more to insure than mixed breeds due to genetic predispositions.
2. Pet’s Age
- Younger pets have lower premiums as they are generally healthier.
- Older pets have higher premiums due to increased risk of illnesses and injuries.
3. Location
Insurance rates differ based on your location. Urban areas with higher veterinary costs (like New York or Los Angeles) usually have higher premiums compared to rural areas.
4. Plan Customization
Figo allows customization of the following:
- Annual Coverage Limit ($5,000 – Unlimited)
- Reimbursement Rate (70%, 80%, or 90%)
- Deductible ($100 – $750)
Lower deductibles and higher reimbursement rates increase the monthly cost.
5. Additional Coverage
- Wellness & Routine Care (Vaccinations, dental cleanings, check-ups) – Extra cost
- Exam Fees – Optional add-on
- Rehabilitation & Alternative Therapy – Optional add-on
Figo Pet Insurance Cost Estimates by Plan
| Plan Type | Monthly Cost (Dogs) | Monthly Cost (Cats) |
|---|---|---|
| Basic Plan ($5,000 Coverage) | $20 – $40 | $10 – $25 |
| Standard Plan ($10,000 Coverage) | $30 – $50 | $15 – $30 |
| Unlimited Plan (No Coverage Limit) | $40 – $70 | $20 – $40 |
Is Figo Pet Insurance Worth the Cost?
Pros:
✅ Unlimited coverage options available
✅ 100% digital experience via Figo’s Pet Cloud app
✅ Fast claims processing
✅ Covers hereditary and chronic conditions
✅ No upper age limits for enrollment
Cons:
❌ Doesn’t cover pre-existing conditions
❌ Routine wellness care costs extra
❌ Premiums increase as pets age
How to Save on Figo Pet Insurance
💰 Choose a higher deductible to lower monthly premiums
💰 Pick a lower reimbursement rate (70% instead of 90%)
💰 Take advantage of Figo’s multi-pet discount
💰 Sign up early to lock in lower rates while your pet is young
Final Thoughts
Figo Pet Insurance provides affordable, flexible, and comprehensive coverage for pet owners who want financial protection against unexpected vet bills. Costs typically range from $10 – $70 per month, depending on the pet’s breed, age, and chosen plan. While it may not be the cheapest option, Figo’s unlimited coverage and fast claims processing make it a great choice for many pet owners.
If you’re looking for a reliable pet insurance provider with customizable plans, Figo is worth considering. Get a free quote from Figo today to see how much coverage would cost for your furry friend!
Frequently Asked Questions (FAQs)
1. Does Figo pet insurance cover pre-existing conditions?
No, Figo does not cover pre-existing conditions.
2. Can I get a discount for insuring multiple pets?
Yes, Figo offers a multi-pet discount.
3. How does Figo’s claims process work?
Claims are submitted through the Figo Pet Cloud app, and most claims are processed within a few days.
4. What is the waiting period for Figo insurance?
Figo has a 1-day waiting period for accidents and a 14-day waiting period for illnesses.
5. Can I use any veterinarian with Figo insurance?
Yes, Figo allows you to visit any licensed veterinarian in the U.S. and Canada.
John David is a passionate pet lover and holds a PhD in Environmental Engineering. Combining his love for animals with his scientific expertise, John provides valuable insights into pet care, behavior, and health. With extensive knowledge about dogs, cats, and pet insurance.