Figo | Pet Insurance Review


out of 10

582 Verified Reviews

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  • 8.7
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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 10

POSTED: | BY: Kenneth R

Great company to have working for you

Thank you for being so prompt and responsive when our little lady has a problem

out of 10


So fast and easy to work with!

If you need pre-approval they are super easy to work with and guide you through every step. If it is a normal claim, it is so easy to submit and you get your money back in days. Would highly recommend!

out of 10

POSTED: | BY: Karen Konfederak

I'll never be without pet insurance again!

FIGO Pet Insurance has been a lifesaver, not only for me but for my dog. I purchased pet insurance for my two dogs when they were nine years old. Since then, my now 11.5-year-old Border Collie mix named Bradley has been treated twice for a myxosarcoma on his left stifle. FIGO covered it all (less my deductible, of course). Not only did FIGO cover all eligible expenses, but my claim was processed within two days, and reimbursement was in my checking account two days afterward. This happened both times. Now that's service! Molly, my other 11.5-year-old Chow Chow mix, needed stem cell therapy for arthritis in her left hip. That was covered, too. Even though my premiums have increased because of the age of the dogs and my coverage type, I'm grateful to have the insurance. When it's time to be blessed with another set of pups, they no doubt will be enrolled from day one. I recommend FIGO to everyone I know with pets! Thank you, FIGO!

out of 10

POSTED: | BY: Kate

Best pet insurance

Very easy to file a claim and you receive the money within a week or 2.

out of 10

POSTED: | BY: Miss D

Easiest insurance I’ve ever dealt with

Figo has been awesome. Their app is super easy to make a claim and hey typically pay within a day. It has been the easiest insurance I’ve ever dealt if they would just handle people insurance!

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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