Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 4.9
  • 8.7
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  • 7
  • 582
  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: Bree Kahn

I love this company

Figo has some of the best staff I've come across, they are super friendly and their process is easy when it comes to claims and insurance. I would recommend them to anyone!

out of 10

POSTED: | BY: Kathy Nolan

Insurance with a caring personal touch

the people that one deals with are very friendly and caring. There is a high level of Personal service. For a dog owner that is somewhat tech savvy, the website is somewhat confusing especially the Claims section. I am still trying to get used to it. But they must realize it and give me very personal service which I appreciate. Sign up was very easy.

out of 10

POSTED: | BY: Kim Colgan

FIGO for Zoe Colgan

- The pet cloud makes keeping Zoe’s medical records, walking reports, and vaccinations easy to keep track of. I also get text and email alerts for when she has vaccines coming up which is very helpful.- The insurance policy is very inclusive and affordable - The customer service team is great and always there to answer my questions - Now I always have peace of mind that I can get the best care for Zoe

out of 10

POSTED: | BY: Yvonne Angyal

Easy and straight forward

Our puppy had to have a lump removed. It was easy to submit the claim and FIGO was super fast to reimburse the money. The check was here before Chimo's stitches were removed. So far I am super happy with FIGO!

out of 10

POSTED: | BY: Merrick

The best pet insurance in the market!

I used to be a customer of VPI (now Nationwide) which, at least years back, used to be terrible. I was then a customer of Petplan which, at the time, was one of the best in the market, but there were still a few too many restrictions which hindered some medical choices (only improved upon in recent months). So, back this spring, for my new dog, I pored over all of the available plans and, based on all that experience, Figo came out best, above and beyond. They've thought of everything (see the "Compare" chart on their website) and their premium (so far) is reasonable. I've had them since June for my current dog and already (unfortunately) have had to make several claims, and they've paid as expected, and quickly, and their customer service is terrific. Definitely put them in your mix when you research plans!

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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