Figo
4.1

out of 5

Figo Pet Insurance for Dog & Cat

Updated: April 17, 2025

Figo Pet Insurance was founded in 2013 and offers accident and illness coverage for dogs and cats in the United States. Figo is known for its high reimbursement rates, offering up to 100% of your vet bills covered. They also have a variety of policy options to fit different budgets, and they offer discounts for multiple pets and for pets that are spayed or neutered.

Figo Pet Insurance Details

    • More: Figo Pet Insurance Reviews

      Why Our Users Picked It:

      Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

      Pros & Cons:

      • Only 1-day waiting period for accident coverage
      • Wellness coverage available
      • Simple claims process
      • Up to 100% reimbursement available
      • Extra costs for vet exams
      • 6-month waiting period for orthopedic problems (in some cases can be waived if your vet signs a waiver)
      • Does not offer an accident-only plan

      Plan Limits

      • Per Condition Limit None
      • Lifetime Limit None
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Unlimited
      • Hospitalization Unlimited
      • Rehabilitation Unlimited
      • Continual Care Unlimited
      • Emergency Visits Unlimited
      • Surgery Unlimited
      • Dental Trauma Unlimited
      • Foreign Object Ingestion UnlimitedUnlimited - Only if the pet did not require decontamination 2 or more times within the 18 months prior to the policy effective date or within the waiting periods
      • Congenital or Hereditary Conditions Unlimited
      • Cancer Treatments Unlimited
      • Dietary Supplements Unlimited - Limited to prescription foods that are used to treat existing bladder stones or crystals.
      • End of Life: Burial and Cremation Unlimited - If the pet passes during the policy period as a result of illness or injury and meets the coverage requirements.
      • Illness Unlimited
      • Specialists Unlimited - *In addition, the examination fee for a specialist can be covered depending on whether the optional exam fee coverage was added.
      • Prosthetics Unlimited
      • End of Life: Euthanasia Unlimited - If deemed medically necessary by licensed vet and it is the result of a covered accident or illness.
      • Prescription Drugs Unlimited
      • Outpatient Care Unlimited
      • Bilateral Conditions Unlimited
      • Travel Coverage $1,000 - If deemed a life threatening condition and vacation was preplanned.
      • Vet Exam Fees If plan is selected with that option
      • Medical Imaging Unlimited
      • Organ Transplants Unlimited - Requires preapproval
      • Wellness Cover Unlimited
      • Lab Tests Unlimited
      • Behavioral Treatments $1,000

      Plan Summary

      Figo Pet Insurance is committed to making lives easier for pets and their people. Their cloud-based technology enables pet parents to manage the lives of their pets on-the-go through their Pet Cloud. The Pet Cloud app significantly enhances the way Figo engages with pet parents by providing an A.I. claims experience, live veterinary chat, alerts, records management and more to seamlessly manage their policy and make pet parenting a breeze.

    Most popular dog breeds insured by Figo Pet Insurance

    Here are the top 9 dog breeds covered by Figo insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $193.03
    Chihuahua $42.14
    Yorkshire Terrier $67.21
    Papillon $111.25
    Maltese $68.27
    Malt-A-Poo $50.89
    Golden Retriever $114.19
    Shih Tzu $42.54
    Presa Canario $141.78
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Figo Pet Insurance

    Here are the top 7 cat breeds covered by Figo insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $194.29
    American Shorthair $42.86
    Maine Coon $21.64
    Tabby $38.87
    Sphynx $43.34
    Russian Blue $50.44
    Calico $23.75
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

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    Figo Pet Insurance FAQ?

    • Does Figo offer a wellness plan?

      Yes, Figo offers a wellness package that provides coverage for things like dental care, vaccinations and spay and neuter. This can be added on to your Accident & Illness plan.

    • Does Figo have age restrictions?

      Your fur baby must be at least 8 weeks old to be enrolled but there are no upper age limits for eligibility.

    • What kind of waiting period is there before I can use my policy?

      Figo has a 1-day waiting period for accidents, a 14-day waiting period for illnesses and 6 months for orthopedic conditions such as hip dysplasia.

    • Does Figo pet insurance offer any discounts?

      Yes, Figo offers a multi-pet discount where you can take 5% off of the cost of enrolling each additional pet.

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