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: David S.

Simply The Best/Better Than All The Rest

When looking at pet insurance, our vet had around 12 different companies brochures to choose from, I asked them which one they recommended, they said while they are not allowed to make recommendations, they did say that a lot of their customers were Very Satisfied with Figo. I did comparative shopping online and absolutely came to the same conclusion. I love that you can design a plan that works for you (i.e.: deductible, % of coverage etc.) Only 2 months after having coverage, my little furry baby Josie was having vomiting issues. The claim was processed within 1 week and payment a couple of days later, I even got a call from Brittany at Figo asking how Josie was feeling (Who Does That), I was so impressed. Last week (1 month later), Josie had to go back for the same problem, same results from Figo, got the email today (1 week) stating that the claim is closed and payment coming. Both times, no hassle, no surprises, a clear EOB which was exactly the amount I expected. Seriously? There really is an insurance company out there that does what it says And cares enough to call about the patient? I don't get that with my personal insurance. In closing, you love your furry baby? Then treat him/her to the 1 company that will care about them as much as you're vet and as much as you. Vigo Pet Insurance, best decision I could have ever made for Josie

out of 10


Figo covers the most for money

Last year, I looked at about 6 pet insurance companies and I finally went with Figo. I rescued a 7 year old english bulldog. Within a few weeks of purchase, the bulldog developed entropian. The surgery was 1700.00. I was not sure it would be covered as entropian is considered a bulldog congenital issue. I filed a claim with Figo app called pet cloud. The claim was processed with 6 days and received a reimbursement check 2 days thereafter. Weeks later, my bulldog Rex developed skin infections and was on apoquel. I really didn't do much but submit my claims. Figo contacted my vet to obtain Rex health records. Figo made life easy. Glad I chose Figo

out of 10

POSTED: | BY: John

Exceeds Expectations x10!

Our experience with Figo Pet Insurance was simply perfection from start to finish. We submitted our claim on an iPhone, uploaded documents while still at the Vet's office, and within a week we were reimbursed for more than we expected. We had initial questions about our policy, and the customer service team has been consistently polite, knowledgeable and genuinely seems to care about our sweet girl as much as we do! Figo just exceeds our expectations at every opportunity and we are very grateful! Thank you FIGO!

out of 10

POSTED: | BY: Sander

Figo is the best pet insurance out there!!

I purchased FIgo for my golden doodle about a year ago. I chose the ultimate plan. What I like about Figo is the simplicity of the plans, the coverage, the customer service follow up, and the pet cloud app. I filed a claim recently as my dog develop allergies. My bill was 650.00 because of the exam, diagnotistic testing, and medication. I could not believe how easy it was to file a claim. All I did was snap a picture, and within seconds the claim was sent to the claims department of FIgo. I really do not much thereafter. They called my vet, and within days I was notified the claim was processed via email, and a few days later a remimbursement check was in the mail.

out of 10

POSTED: | BY: David Chambers

Best customer experience and amazing value

With two cats, and knowing the history of pet health care costs through long experience, pet insurance seemed like a no-brainer. After reviewing the available options, the logical solution was to choose Figo. Why? Figo offers the most affordable and accessible plans. When you do the math, it makes good financial sense. More significantly though, as anyone who has ever filed an insurance claim knows, the claims process is usually not the most pleasant experience between a consumer and the insurer. But I have found that Figo has turned that notion on its head. Claims are incredibly easy to file, amazingly quick turnaround time is also a big plus. What really clinched it for me was the customer service reps. They are not only friendly, courteous and super helpful, some of them know oodles about pet health, all of which makes every call a great experience. I cannot find any reason to go back to the old insurance model, especially when I can do everything from my iPhone. (Too bad for the cats, we can't conduct their vet visits from an iPhone.)

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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