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

POSTED: | BY: Ken Rosenblum

During trying times Figo was very understanding at effective

Very very pleasant to work with. They seemed to care about making the claim process go smoothly, knowing what mental issues we were already facing

out of 10

POSTED: | BY: Jill Snyder

Figo is the best!

Figo insurance is straightforward and easy to understand. The process to file a claim literally takes less than a minute and reimbursement typically occurs in less than a week. Their customer service has been friendly and efficient when I needed to contact them. I absolutely recommend them to everyone I know with a pet!

out of 10

POSTED: | BY: Teresa Taylor

It's the best money I've invested in my dog's health care, receiving benefits well exceeding the premiums.

I took out Figo insurance when my rescue dog was about 5 months old. They have paid claims without any problems and have communicated any concerns immediately (like when my vet submitted a claim before I could and didn't include the itemized bill). I eally don't think I'll get another pet without obtaining pet insurance for it. I have received benefits beyoud the premiums, and I'm very pleased with Figo's manner and timing of processing claims.

out of 10

POSTED: | BY: T. Woodward

Figo is awesome!

I have absolutely no complaints about Figo - our premium is very reasonable, I love that we have a plan that covers exam fees, filing claims is very easy, and we get reimbursed within 2 days. I love that they cover non-standard vet visits such as behavior consultations. They will also cover prescription medications. I did a lot of research before choosing a pet insurance company and I have been very happy with this choice. We have been using Figo for about 3 years now!

out of 10

POSTED: | BY: Meghan

I will forever recommend Figo to anyone with fur babies!

Our previous pet had a lot of medical issues so I got the plan for Bella as a baby. Unfortunately she had major health issues at only 8 months old. Her two week visit in ICU would have been devastating financially but we paid everything up front. The amount Figo covered saved us over $8,000. My parents still tell me this plan was the smartest thing I’ve done yet.

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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