Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 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: 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.

out of 10

POSTED: | BY: David Chambers

Best customer experience and amazing value

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.)

out of 10

POSTED: | BY: Brian Mergl

Claim service call

I received a personal call today to explain the details of my recent claim processing. She was very friendly and helpful. The claim matched my expectations of reimbursement. I even received a get well card in the mail for my dog!

out of 10


figo all the way

figo is the best pet insurance out door. Figo covers more for less. My dog had an acl surgery. a few months later the other knee had to be done. processed in 3 days. I started with preferred. with 5 months to go i only had 4 thousland left for coverage. I was able to up the coverage to ultimate for unlimited payout coverage. I recommend Figo to my vet and all my friends. Figo is a life saver.

out of 10


Get some quotes, come back and pick FIGO

If you're new to pet insurance, you'll probably do what I did, get about fifteen quotes (or more! From everyone!) sit down, look for reviews, read the fine print and wonder why exactly you should pick Company A and not F or K. We seriously spent about a month before the arrival of our puppy trying to decide... In the end, I chose FIGO. They have been nothing short of amazing. -Non-routine vet visits are covered, as opposed to not.We seriously just visited to ask our vet about a rash, and it was covered. -Mobile app makes everything easy. -There is a personal touch for everything they do. AppChat, text, facebook them, they WILL respond. -Reimbursement is fast. Filing is fast. Everything is made so you don't have to spend several days trying to file your claim. -Rates are great. -Skip the waiting period on Patellas/knees by having a vet verify they are healthy; crucial for working, sport or active dogs. It's just, ease in peace of mind. I'd recommend it to everyone.

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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