Figo review

Figo covers pet insurance only, and it works as a broker rather than an insurer, so policies sit with the carrier it places you with. The company is based in the US and holds licences in several US states.

Pricing is set by the insurer Figo places the policy with, so the quote comes at the point of sign-up. As a guide, the median starting premium in the pet insurance comparison is €9, and the highest starting premium in that category reaches €670.88.

Yes. Figo sells cover on a monthly basis and monthly payments are available, so the premium is spread through the year rather than paid as one sum. Figo acts as a broker, so the payment schedule is set on the policy the insurer issues.

Claims run through mobile app (Pet Cloud), online claim tracker and email. The app and the online claim tracker let you start and follow a claim, while email and phone give a route when a pet is unwell and you would rather speak to someone. Support questions run on email and phone.

Figo is licensed in the US by the Illinois Department of Insurance, the California Department of Insurance, the New York Department of Financial Services, the Texas Department of Insurance and the Florida Office of Insurance Regulation, and it is based in the US. Its California licence is 0K02763.

Policyholders must be adults, and pets can be covered from a young age with no upper age limit, so an older dog or cat still qualifies. Figo covers pet insurance only, so the policy protects the pet rather than the wider household.

The plans are named Essential, Preferred and Ultimate. Annual cover is capped on Essential and Preferred, while the Ultimate plan is unlimited, so a large veterinary bill is only covered in full on the top tier. Figo is a broker, so the limits are set on the policy the insurer issues.

For claims, yes, since mobile app (Pet Cloud), online claim tracker and email includes the mobile app and an online claim tracker. For policy questions the routes are narrower, with support on email and phone, so a plan change or a billing query goes by email or phone rather than through the app.