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. 

Average customer rating

7.8 Out of 10
60 Days 1 Year Lifetime
Rating 5.1 7.3 7.8
Count 10 116 162

Figo Pet Insurance

10
Out of 10
Recommended
Posted: 08/13/2018
By:
Julie

Rescued three strays at 8 weeks and insured them as a precaution. From ringworm to upper respiratory infection to spay site infection to tapeworm, I was amazed at the coverage Figo spanned. Now at 16 months old one needs hip surgery and it will be covered...

Injury/illness
Numerous
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 07/26/2018
By:
Mandi

My dog had a medical emergency that required hospitalization and lots and lots of blood and imaging work. Luckily he was able to be saved, but the vet bill was enormous! Luckily when I uploaded all the claims for his bills (5 in total costing over $4,000...

Injury/illness
Addison’s disease
Claim Amount
Over $1000
Breed

Labrador Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/24/2018
By:
Sheree

Great company with reasonable rates for your pets coverage. They review claims and response in 24-48 hours and in 1-2 business days later you will receive a deposit or check for the reimbursed amount. Great customer service, great website, great team,...

Injury/illness

Cancer

Broken tooth and root canal.
Claim Amount
Over $1000
Breed

Pit Bull

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 07/10/2018
By:
Lee Silver

It is amazing how quickly claims are reviewed and processed. I submitted my claim in the morning, and that afternoon it had been reviewed, processed, and the results communicated to me in a clear and easy to understand manner. I had a check from Figo...

Injury/illness

Renal (kidney)

Claim Amount
Over $1000
Breed

Goldendoodle

Age of Pet
Under a year
Monthly Cost

$9 - $135, depending on your chosen plan.

Coverage

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 $10,000, $14,000 or unlimited depending on your chosen plan.

Deductible

$50, $100, $200 or $500 annually.

Age Limits

Pet must be at least 8 weeks old to enroll. 

Pet must be at least 8 weeks old to enroll.   

No upper age limits apply.

Waiting Period

Coverage begins 5 days after policy for accidents. For illness claims, a policy waiting period of 14 days applies, while a waiting period of 6 months applies for conditions involving cruciates and patellas. 6-month waiting period for knees can be waived with a healthy knee exam within first 30 days of policy effective date.

Exclusions

Pre-existing conditions are not covered.  

Curable pre-existing conditions are covered if symptom free for 12 months.

Hereditary chronic and congenital conditions, holistic therapy, behavioral therapy, lost pet, pet mortality and hip dysplasia are all covered. 

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.