Is Figo Pet Insurance Good for Senior Cats?
Yes, Figo Pet Insurance is a strong contender for senior cats because it offers no upper age limit for enrollment and features a rare 100% reimbursement tier option with an unlimited annual payout. Additionally, all Figo policyholders receive 24/7 access to live veterinary consultations via the Figo Pet Cloud app.
- Zero maximum enrollment age limits for older cats.
- Offers a 100% reimbursement tier (with a higher monthly premium).
- 24/7 live telehealth chat with licensed veterinarians included free.
- Curable conditions lookback window is 12 consecutive months symptom-free.
The Figo 100% Reimbursement Option Evaluated
Figo is one of the very few pet insurers in the United States offering a 100% reimbursement option. For senior cat parents who want zero copay liability once their annual deductible is met, Figo provides complete peace of mind.
However, the 100% tier comes with substantially higher monthly premiums. For most senior cats, an 80% or 90% reimbursement tier provides superior cost efficiency.
Check Your Senior Cat's Real-Time Eligibility
Enter your feline's age and past health conditions to see instant carrier approvals, age limit warnings, and customized monthly premium estimates.
Frequently Asked Questions
Does Figo cover sick visit exam fees for senior cats?
Yes, but you must add the 'Veterinary Exam Fee' rider to your base policy.
Related Senior Feline Guides
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Pumpkin Pet Insurance for Senior Cats: 2026 Audit & Dental Analysis
Pumpkin offers a premium, high-reimbursement model designed for pet parents who want maximum out-of-pocket protection. With a standard 90% reimbursement rate, zero upper age restrictions, and robust dental illness coverage, Pumpkin is ideal for high-risk senior cats.