Figo | Pet Insurance Review


out of 5

Number of reviews 2,125

  • 60 Days
  • 1 Year
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  • 4.4
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  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: Christine

This is my first pet insurance

This is my first pet insurance after a series of many wonderful dogs. I never needed it before but now veterinary care is quite expensive and insurance is really needed. Gigi was. Very easy to use and helpful

out of 5

POSTED: | BY: Roger


CLAIM Process of claim was very quick and amount paid deposited to bank account almost immediately.

out of 5

POSTED: | BY: Peter Carcieri


Very easy claim submission process, quick review and payment.

out of 5

POSTED: | BY: Swetha

I am very impressed with Figo’s…

I am very impressed with Figo’s thoughtful, efficient, and effective service. I have zero complaints!

out of 5

POSTED: | BY: Jerold

We should have bought pet health insurance years ago.

We've had dogs since 1981, and never had health insurance for them. Based on the ease of claims, speed of payment, and breadth of coverage (including wellness) we should have had pet insurance sooner. Figo has been very easy to claim for our newly adopted beagle. Our last beagle had cancer, which we paid for ourselves ($$$$) and even her final illness was thousands.

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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