Figo | Pet Insurance Review

4.1

out of 5

Number of reviews 2,793

  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.
1

out of 5

POSTED: | BY: Murat K.

When I am applying for Figo i was…

When I am applying for Figo i was expecting my dog can have regular care. Now I am paying for 46€ per month to have a 75€ maximum preventive care per year such as vaccinations. The application is misleading and now even though I choose the monthly payment option they say i need to wait 1 year to cancel my contract. Now i stuck with them, definitely not suggest. The text below is from their application form.. "Unlimited consultations Standard preventive care such as vaccinations Treatments and medications for digestive problems Treatments and medications for ear, skin and eye infections Treatments for joint complaints"
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5

out of 5

POSTED: | BY: customer

Weimaraner Figo Back Recovery Journey

My dog hurt her back and Figo was right there. We learned what they needed to process a claim. The detailed vet notes and invoice started our year long path through using Figo to help pay for her journey. Drugs, cold last therapy, canine physical therapy, I highly recommend Figo for your pet.
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1

out of 5

POSTED: | BY: Harley Renegade

Figo drops the Ball on the amount of…

Figo drops the Ball on the amount of time they take to get your Claim done. I submitted a Claim on 8/20/25 & here it is 8/27/25 & my claim is still in Review. I am seriously thinking about dumping Figo & finding another Pet Insurance Company! Figo has not met my expectations whatsoever! Figo needs to do a lot better at processing claims in a timely fashion! I so far am not happy with the Figo turn-around time!!!
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1

out of 5

POSTED: | BY: Michael Salerno

Take your money and run because that’s…

Take your money and run because that’s what this company will do to you. Every emergency claim I put in is denied. They make up excuses saying my deductible ($150) is higher. The bill comes out to over $200 I think I’ve met the deductible and should be covered at this time…. NOPE! I’ve paid more money out of my pocket with this insurance than ever. They will never help your pets or your wallet. Typical insurance company.
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4

out of 5

POSTED: | BY: Liza

The claims process is easy and my…

The claims process is easy and my claims were paid promptly. My only beef is that the premiums have increased a lot from year to year.
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Monthly Cost

$9 to $135 on average depending on 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 $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$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)

Exclusions

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 Pet Insurance detail
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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