Figo | Pet Insurance Review


out of 5

Number of reviews 582

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.4
  • Count
  • 0
  • 4
  • 582
  Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.

out of 5

POSTED: | BY: Sallyanne Bevere

Worst insurance company for pets

My pet who is 11 months old developed pneumonia. Figo will not reimburse ans of the $2500 claims submitted because one of the possible causes could be roundworm, not that it was, just because it COULD BE!! I pay over 130 per month for two dogs and have had not one cent reimbursed for anything. My vet even called to defend the claim and provide collateral and agreed at thr absurdity of their denial. Thanks for nothing Figo

out of 5

POSTED: | BY: Arne B

Stay away from this insurer

Terrible. They cover very little and while -filing- a claim is easy, it is after you file the claim that the nightmare begins. For EVERY claim they want the medical documentation from the beginning of time. Are they not capable of keeping records so I dont have to hunt down the vet for duplicate paperwork every time??? I NEVER had to do this with my previous insurance, file a claim and done. With Figo it is file a claim, keep providing a ton of paperwork every time only to be denied payment. Their actual coverage sucks

out of 5

POSTED: | BY: Dina Hall

FIGO makes it easy when you need to make an emergency decision.

I’ve used FIGO for all my GSDs for the past 7 years. Very easy to work with. Great coverage! Knowing they have my dogs backs have made it very easy during the emergency situations. Knowing that money isn’t an issue, that will limit their care is a big relief!! Most other companies have limits.

out of 5

POSTED: | BY: Brooke Marshall

Cold/heartless company - will find every excuse to not help when needed

In the beginning, FIGO seemed great. Reasonable rates, service dog discounts, easy to use app. Then they stopped with the service dog discounts & rates started going up. We had FIGO coverage from 4/2017 - 4/2021, had some financial hardships and had to cancel our service temporarily. Got back on our feet, got coverage again 10/2021, and then lymphoma hit. My service dog was diagnosed with Lymphoma 10/23/21 and passed 11/21/21. All of my claims were denied due to symptoms showing up during the illness waiting period. This was my only claim in 5 years. I got a big middle finger, so sorry, thanks for the money, you’re on your own. No compassion, no help. They made sure that the “policy” was written just so, symptoms appeared and they won’t help cover anything. What’s the point of insurance if they won’t help when it’s needed? But they are making millions from their customers. This has been the WORST experience, absolutely no help when we needed. All appeals have been denied. Would never recommend such a cold/heartless business. Future pups will be covered by other insurance providers.

out of 5

POSTED: | BY: Brooke Perna


Do not go with FIGO. I have been paying ~$50/month to insure my healthy 4 year old rescue dog. We adopted her in Feb 2020, submitted all known vet records to FIGO, and they happily allowed me to enter into a plan and collect my monthly premium. Of course, the first instance we take her to the vet and file a claim (which would just have put us at our deductible), they email saying the require more detailed notes and SOAP notes. I copied our vet on the email thread and have sent every lick of paperwork available on our dog over to FIGO and it is still not enough for them to cover anything. I find it intentionally deceitful that they would allow us to enter into a policy knowing full well that they did not have the back records that they would require to ever actually be of service to us. Also, we had FIGO for our last dog who has since passed. She went to the same vet as our current dog, and we never had an issue with her vet notes lacking detail. The reporting hasn't changed, but perhaps the management of FIGO has. 0/10, waste of money and waste of time.

Monthly Cost

$9 to $135 on average depending on chosen plan.


You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible.

The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.


$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limits

Must be 8 weeks or older to enroll. No upper age limits apply.

Waiting Period

1-day for accidents, 14 days for illnesses, 6 months for hip dysplasia and orthopedic conditions. (Both hip dysplasia and orthopedic condition waiting periods can be waived by having exam/waiver form completed by veterinarian)


  • Curable pre-existing conditions may be eligible for coverage if symptom free for 12 months
  • Conditions arising from a repetitive and specific activity, eg. Ingestion foreign object, ear infection caused by water, snake bites, etc. – excluded after 3 occurrences
  • We now have a wellness option
  • We have a diminishing deductible
  • Copay & deductible waived for emergency life-saving treatment (in the case of an accident, not illness)
Figo is committed to helping pets and their families enjoy their lives together. Figo’s cloud-based pet healthcare offering features everything pet owners need to manage their pet’s everyday lives, including coverage and medical claim information, digital pet tags and the latest lost and found technology. Any claims are reimbursed directly into your account using ACH. With three flexible pet insurance plans to choose from, owners can customize their reimbursement percentage and annual deductible, and Figo provides up to 100% coverage with unlimited annual medical benefits.

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