Figo | Pet Insurance Review


out of 5

Number of reviews 2,398

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.0
  • 4.4
  • Count
  • 2
  • 4
  • 2,398

Updated: November 13, 2023

  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: Brenda Marjorie Russell

Thank you for providing insurance for…

Thank you for providing insurance for Mr. Wilson. Today is his Birthday. Happy Valentine’s Day. Brenda

out of 5

POSTED: | BY: Mary


This was our first time doing business and it was very close to what we expected. We appreciated that they were swift in responding to our first claim. Very happy so far.

out of 5

POSTED: | BY: Valerie Evans

Exceptional Service

I love the quick service that FIGO provides referencing questions and payments.

out of 5

POSTED: | BY: Michelle

Very quick claim review

Very quick claim review, easy to do by using app.

out of 5

POSTED: | BY: Evangelia Gigiras

Do not insure with FIGO - Bad show of good faith.

I have purchased an insurance policy for my cat since 2019. In 2020, my cat was not feeling well. I brought him in to our local vet for a check up. Check ups were not covered in my policy at that time. The doctor noted that my cat was constipated, and recommended a science diet recipe. Two weeks ago I had to take my cat to emergency care because he had not eaten, urinated or had a bowel movement in 24 hours. I did not treat my cat at emergency care, he was given subcutaneous fluids; and since he was not in crisis, he was released without a diagnosis or prescription. The next morning I took my cat to our current vet. He was diagnosed with a urinary tract infection for which he was given antibiotics. …. BUT because my previous vet in 2019 gave my cat a laxative, my claims were denied. The constipation was one of the symptoms for his most recent treatment NOT the condition, but even so my claims were denied. I have filed two claims (most recent emergency care and follow up) in the last five years, only to be denied because my cat had been constipated five years ago. This is an egregious breech of contract. The pact is that I pay my insurance premium every month, so should my cat become ill, I can provide my four-legged family member the medical care he requires, even if it’s thousands of dollars. Denying the claim is a poor showing of the good faith between client and insurer. I whole heartedly do NOT recommend FIGO; and once my appeal is closed, I will no longer hold a policy with them.

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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