Figo | Pet Insurance Review


out of 10

582 Verified Reviews

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  • 4.6
  • 8.7
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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: Jason Calumiti

Love the App

Beat quote by far for my Cat Jasmine!

out of 10

POSTED: | BY: Shiara

Veterinary Surgeon at Northstar Vets n NJ

Figo is simple and affordable! After spending a fortune on my last Dane, I insured my baby Ajax as soon as I got him. Figo beat other pet insurance quotes by almost half. Pretty incredible! My great dane even got a discount for being a rescue. Customer service was superb and was excellent answering all my questions. Figo really makes the whole claims process so simple and paperless. So affordable as well! I really love Figo because is it is one annual deductible, not a deductible per condition like all the others. The whole user experience was exceptional! Thank you Figo for insuring my big baby, Ajax!

out of 10

POSTED: | BY: Jacob

Most Amazing Pet Insurance

Last summer, I rescued a labroador mix. I was introduced to Figo by a friend who said to try Figo and you will by happy you did it. She was right. I did some research and of all the pet insurance available today, Figo covers the most, and one of the most affordable. My first claim was for an upper respiratory infection, which later turned to pneumonia. I filed a claim by going on my Pet Cloud app. Within 5 days, the claim was processed. Could not believe how easy it was. In the beginning, I had my my dog's recent exam emailed to Figo. From there, they contacted my vet to verify my claim. Thanks Figo. You made everything so easy.

out of 10

POSTED: | BY: BLawyered

Accidental ingestion is a pre-existing condition!

When I thought my puppy had swallowed a battery I contacted Figo to make sure I was covered and to ask some questions about the process. They informed me that if my puppy was inclined to eat non-food items, like getting into the garbage or swallowing a toy, then it is considered to be a pre-existing condition and they will not cover it. They also told me that they would only cover two instances of ingestion. And I have their best plan possible. Just an FYI.

out of 10

POSTED: | BY: Linda

Poor coverage

Read section G longest portion of explanation of benefits ... check . no coverage if your pet needs surgery .Nationwide for better choice, no cap ,no hereditary issues and more.

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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