Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
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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



Figo has been very helpful to me in terms of navigating their website, my cloud and helping me resolve an unsolved claim! Thanks!

out of 10

POSTED: | BY: Sharon Luoma

Glad they've changed carriers

Great company, and super easy to talk to on phone. Have had some issues with old carrier, hence the appreciation for the initiative to change carriers on their part. I gave an 8 on ease of claim rating but feel the need to explain. I'm 71 and have been described by my sons as technologically challenged! I eventually do get it, but am slow to file claims and loathe doing it. Figo has been more than patient with me!

out of 10

POSTED: | BY: Mona

Satisfied with Figo.

They reimburse your expenses very quickly, and treat customers well. I always recommend Figo on Facebook.

out of 10

POSTED: | BY: Stephanie Shiller

Ten Plus

The end of out story is a sad one ... a case of liver cancer took our adorable Havanese, Paco at 12 years old. For 11 of those years we had ASPCA insurance. What a nightmare! When they discontinued the policy, we went shopping and chose FIGO. Wow! I really can’t say enough good things about the service we received. All the bills were paid promptly, questions answered quickly and accurately, and true compassion at the end. When our hearts are ready for another little friend, our first call will be to FIGO! Whatever you are doing-please don’t change it!

out of 10

POSTED: | BY: Starlette

Figo is provides exceptional pet insurance.

A friend told me about her experiences with Figo and recommended that I get insurance for our newly adopted dog, Sage. I’m so thankful for her advice. Figo’s premiums are fair and their customer service is friendly and claims are handled quickly. Now I’m the one referring Figo to all of my pet owner friends.

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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