Figo Pet Insurance Illinois Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Figo review · Pet insurance in Illinois

Figo inILIllinoisChange state
This page is a draft: we have not read Figo's Illinois rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Figo is administered by Figo Pet Insurance, LLC and underwritten in Illinois by Independence American Insurance Company.

Coverage

Illinois form IAIC FPI POL IL 1025 (Independence American). Waiting periods: 1 day for accidents, 14 days for illness, and 6 months for dogs' orthopedic conditions, including fractures from an accident; a vet's orthopedic exam waives the 6 months only if the waiver form reaches Figo within 30 days. The Illinois pre-existing definition does not include the sentence, found in other insurers' forms, that a condition covered under the policy cannot become pre-existing at renewal. Cured conditions are covered after 365 days free of symptoms and treatment, but genetic, orthopedic, knee ligament and chronic conditions never count as cured. Any allergy with signs before the start is excluded for good. After three similar incidents, such as swallowed objects or bite wounds, Figo treats them as preventable and stops paying. Exam fees and prescription food need a paid rider. Premiums rise with age, veterinary inflation and other actuarial changes, with 60 days' notice; coverage can change only at renewal. Claims must be filed within 180 days.

Scores in Illinois

Without rate pages there is no lifetime cost, so Figo is not ranked in Illinois. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Figo in Illinois are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Added BBB and Trustpilot ratings checked on 13 October 2026
  2. 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
  3. First draft from the Florida IRFS and California CDI filing lists, IAIC filings 25-613 and 25-046756, and Figo's published sample policy