Figo | Pet Insurance Review


out of 10

582 Verified Reviews

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  • 1 Year
  • Lifetime
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  • 4.6
  • 8.7
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  • 5
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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: Alisha Lee

Do Not Use

This company is a joke. They denied my claim several times and each time they came up with a new reason. Just grasping for straws. One of the times they denied my claim they quoted what I said when I called to schedule a Vet appointment. I had stated that I thought my dog had an illness even though later I submitted a letter written from my Vet telling them that I was wrong and that my dog didn't actually end up having that illness they denied me because of what I had said when I booked the appointment. Over the Vet. Absolutely ridiculous. I never got a penny back and I cancelled insurance.

out of 10

POSTED: | BY: Stella

Figo is the one

After researching high and low for the best pet insurance for my 3 year old dog, I chose Figo. The reason I chose Figo was because for what they cover, the price, customer service, and overall simplicity. Understanding pet insurance can be daunting, but Figo plans are so simple to understand and follow. MY dog has been on Figo for a year. My dog swallowed a mango pit. I just submitted the invoice via pet cloud app. That was it. Thereafter, within 5 days, I was notified I was reimbursed. Another time, my dog had an ear infection. I was worried I would not be reimbursed because my dog had an ear infection over 14 months ago. I was reimbursed for that as well. All I did was answer a few questions on the claim form and submitted a picture of the invoice via smartphone. Figo called my vet for last 2 years records. Wihtin 1 week, I was reimbursed. Figo made life so easy with their paperless claims processing. Figo is the only pet insurance that any pet parent should consider.

out of 10

POSTED: | BY: Lisa Stauss


I have experience with VPI, PETSBEST, NationWide, Pet Plan USAand I can honestly tell you I highly recommend Figo. highly recommend Figo. This one Im very comfortable with. The coverage is excellent. I have done lots of research on every pet insurance ins the USA. This company has Outstanding customer service and quick payment. If there is a concern, they will not hesitate to work with you unlike others mentioned above. I have turned in claims without problems. They are a newer company located in Chicago. I am a pet owner and do not work for this company. I would hesitate to trust the negative review mentioned above as sounds like a competitor.

out of 10

POSTED: | BY: jake

Figo is the only pet insurance to consider

Figo is amazinng. The plans are easy to understand and follow. What I like about Figo is that plans offer easy to meet annual deductible, covers sickness, and injuries, less exclusions compared to other pet insurance companies, and very affordable. My dog is 5 years old, so I had to look for a pet insurance that was affordable and comprehensive. Figo was the one.I filed a claim for upper respiratory infection.. Claim processed in less than 5 days. I texted if they needed anything from me prior, and they said they will call my vet if they need to. This was great because I did not have to do much. Thanks Figo. You made my life easy

out of 10

POSTED: | BY: Vivian Rodriguez

Blood test and antibiotics

Our pup got Lyme Disease and they are not covering the blood tests or antibiotics because it was transmitted through a tick. So even though this was not a preexisting condition, and our pup is sick, they WONT COVER ANYTHING.

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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