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Figo
Underwritten by Independence American Insurance
Figo offers up to 100% reimbursement and includes a 24/7 live vet chat with their mobile-first platform.
4
out of 5
Coverage at a glance
Accident waiting period1 days
Illness waiting period14 days
Orthopedic waiting period180 days
Appeal window90 days
Covers dental illnessYes
Covers hereditary conditionsYes
Covers behavioralYes
Covers exam feesYes
What we like
- ✓Up to 100% reimbursement
- ✓Live vet chat included
- ✓Mobile-first app
Watch outs
- ✕Ortho waiting period 6 months
- ✕Higher premiums for top tier
How to appeal a Figo denial
Pick the reason on your denial letter to get a reason-specific playbook tuned for Figo's policy language and 90-day appeal window.
Insufficient documentation
~75% win rate · low difficulty
Lapsed / inactive policy at time of treatment
~60% win rate · moderate difficulty
Coverage not yet effective / enrollment gap
~55% win rate · moderate difficulty
Curable pre-existing not waited out
~55% win rate · moderate difficulty
Bilateral condition exclusion
~50% win rate · moderate difficulty
Dental illness / dental exclusion
~45% win rate · moderate difficulty
Hereditary / congenital condition exclusion
~45% win rate · moderate difficulty
Not medically necessary / experimental
~45% win rate · moderate difficulty
Out-of-network / non-licensed provider
~45% win rate · moderate difficulty
Specific policy exclusion
~40% win rate · moderate difficulty