Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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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: Hope

More Than Just Pet Insurance

My newly adopted Staffy mix contracted a terrible allergic reaction from a bout of fleas she had prior to adoption. She ended up bitting so badly that she broke the skin in and a few areas. After several tests and two (vet visits later) she was diagnosed with an extreme allergy which came with several medications and a super (not) fun cone. Shoot to a week later, she contracted tape worm which lead to another trip to the vet and more medications. Thank god for FIGO! Through everything they were fast, compassionate, communicative, and thorough. Immediately after I filed a claim through the super convenient app, they were on top of everything, updating me along the way. Their team was so friendly and genuinely cared about how my Poppy was doing. They even sent a get well soon postcard to her! I recommend them to all of my friends with pets! We love FIGO!

out of 10

POSTED: | BY: Chrissy


They were friendly and easy to work with!

out of 10

POSTED: | BY: John Hanawalt

A+ Customer Service, Plans, and Process

I opted for Figo because of the straightforward coverage, online claims, and customizable plans. I chose a moderate deductible and high (90%) reimbursement rate when I was setting up my plan. My monthly payment is less than my phone bill and has been well worth it. Since adopting my 4-year-old bulldog/pug mix, Guff, I've unfortunately had to file a few claims with Figo. First, he snorted a foxtail. Most recently, he had some vomiting that required a trip to the ER. I was most grateful to have Figo, however, when Guff's vet noticed potentially damaged teeth. It turns out the little guy needed six extractions! About a third of the visit wasn't covered because it was considered routine dental care (like cleaning, which I knew is not part of my plan), but I was still reimbursed almost $900 on a $1400+ bill. So I was still very happy to have them! Filing paperless claims through the Pet Cloud is very easy—my vet emails my invoices straight to my Figo account—and when I have questions, Figo customer service is friendly and responsive. All of my claims have been processed in a very timely fashion. Having Figo has given me great peace of mind because I don't have to worry about being able to afford getting Guff care when he needs it.

out of 10

POSTED: | BY: Alexis

Great customer service

My cat has been in and out of the vet's office the past few months with recurrent vomiting including a very scary episode where she aspirated some of the vomit and began choking. Figo has been great to work with--easy online claim submission, responsive customer service, and prompt reimbursement. They've even sent get well cards to my cat! This health issue came out of left field and I am so glad I bought pet insurance when I did. I highly recommend their service

out of 10

POSTED: | BY: Bonnie

Courteous, helpful and efficient service!!!

My puppy went to the ER after ingesting plastic from his doghouse. After treatmentI contacted Figo for help in submitting my claim. I managed to submit my claim in under 5 minutes and received reimbursement very quickly.

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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