Figo | Pet Insurance Review


out of 10

582 Verified Reviews

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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


Bait and switch

After hours and hours of research and almost a year of coverage I thought I had found a true gem. However, Figo has just filed to increase rates in the state of NJ by 52%. That is absolutely insane that a company can double your rate with the snap of a finger and is far from customer centric. This company went from hero to zero in my book, looks elsewhere.

out of 10

POSTED: | BY: Adrienne

Figo is so simple and easy

I wanted a pet insurance that was easy to follow that covered illnesses and accidents. Most importantly, one that is affordable with great service. I inquired and I chose Figo. Everything great so far. I filed a couples of claims and both were processed in a week. I recommend Figo to everyone

out of 10

POSTED: | BY: Michael

Fast Claims and Excellent Service

We rescued a 6 year old pitull mix. We named him Rex. I thought he might be too old to be insured but I did it anyways just in case case an unexpected accident or illness would occur. I checked 3 companies and checked reviews and price and went with Figo. Glad I did. Rex swallowed a mango pit and my kids lego blocks. The bill was outrageous but I filed the claim with Figo and within 7 days the claim was processed. Glad I chose Figo.

out of 10

POSTED: | BY: Nick

Number1 pet insurance here....

I was introduced to Figo by my co-worker. I took a chance and signed up my lab Duke based on his recommendation. Best decision made. My lab had an ear infection after I signed up. Just in time. The key is to sign up before anything happens. The claims part was easy. I did everything from my phone. I'm set with Duke. Thanks Figoi

out of 10


Figo sets the bar

Overall, I have been pleased with Figo, I filed my first claim a few weeks ago, and I could not believe how easy the process was. This is my 3rd dog, and my first time with Figo. Since I've tried to other pet insurance, I can compare and know Figo offfers more for the buck. I recommend only Figo to my friends and colleagues. Thanks Figo!

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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