Figo Pet Insurance Florida Review
Figo is administered by Figo Pet Insurance, LLC and underwritten in Florida by Independence American Insurance Company.
Coverage
Rate filing 26-013383 (Independence American Insurance Company) was approved on 21 May 2026; we have not obtained its documents, so the size of the change and the rate formula are unknown. Figo's Florida page offers an unlimited annual limit, sells exam fees as a paid add-on and sets no upper enrollment age. Figo's Florida document page links its generic sample policy (form IAIC FPI POL 0320, file dated 1 August 2023), not a Florida form, so waiting periods, the minimum enrollment age and the coverage flags are not shown. Florida law bars injury waiting periods and caps illness and orthopedic waiting periods at 30 days (Fla. Stat. §627.71545).
Scores in Florida
Without rate pages there is no lifetime cost, so Figo is not ranked in Florida. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Figo in Florida are not public or not yet read, so there is no price by age.
Compared with other brands in Florida
Monthly premium for the French Bulldog in Florida at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | ASPCA | Lemonade | Pets Best | Pumpkin | Spot |
|---|---|---|---|---|---|
| 0 | $154 | $140 | $78 | $164 | $143 |
| 1 | $146 | $119 | $71 | $155 | $135 |
| 2 | $145 | $119 | $71 | $155 | $135 |
| 3 | $159 | $119 | $71 | $170 | $148 |
| 4 | $179 | $132 | $79 | $191 | $166 |
| 5 | $218 | $156 | $96 | $233 | $202 |
| 6 | $263 | $185 | $116 | $280 | $244 |
| 7 | $318 | $221 | $145 | $339 | $294 |
| 8 | $407 | $265 | $180 | $433 | $376 |
| 9 | $501 | $370 | $219 | $534 | $464 |
| 10 | $601 | $439 | $283 | $640 | $556 |
| 11 | $678 | $505 | $318 | $723 | $628 |
| 12 | $782 | $544 | $346 | $834 | $724 |
| 13 | $888 | $544 | $346 | $947 | $822 |
| 14 | $944 | $544 | $346 | $1,007 | $874 |
Rate filings
Figo's own figures where one filing sets different increases for different brands; the Florida page lists each filing's headline figures.
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
|---|---|---|---|---|---|---|---|---|
| 26-013383 | 1 May 2026 | approved | source [1] |
Notes on these filings (1)
References
- 1.↑Florida Office of Insurance Regulation, IRFS. Independence American Insurance Company, Figo, rate filing 26-013383. Effective 1 May 2026. source
- 2.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- Added BBB and Trustpilot ratings checked on 13 October 2026
- Corrected direct vet pay: the sample policy lets the owner have a claim paid to the vet. Limited the policy terms to the generic sample policy that Figo links for Florida, added its dental, behavioural, pre-existing, deductible and installment-fee terms, and marked the 53% loss figure as countrywide
- First draft from the Florida IRFS and California CDI filing lists, IAIC filings 25-613 and 25-046756, and Figo's published sample policy