Figo | Pet Insurance Review


out of 5

Number of reviews 1,899

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 1.0
  • 4.4
  • Count
  • 1
  • 1
  • 1,899
  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 5

POSTED: | BY: ksmitch

Highly Recommend Figo

We got our first dog and asked our insurance agent for pet insurance recommendations; Figo was number one. Unfortunately, our fur baby was diagnosed with parvo and spent two nights in the hospital, with a large bill. Figo made it easy to submit a claim and it was processed quickly. We renewed with Figo when our policy was ending…never thought of going anywhere else.

out of 5

POSTED: | BY: Jansen

Simple and easy, needs more coverage

Simple and straight forward claim process. Friendly local community of users. Allows me to pay annually at a discount rather than a higher monthly rate. Only disappointing thing is that they max out at 80% reimbursement. I’d gladly pay more if they offered a 90% reimbursement plan.

out of 5

POSTED: | BY: Paige

Figo won’t pay out anything

We have been having lung issues with our dog Winston and Figo hasn’t covered a cent. We’ve been extremely disappointed as this is truly the type of stuff we got insurance for.

out of 5

POSTED: | BY: customer

Ease of filing a claim for an injury

Ease of filing a claim for an injury. What I don’t like is the policy increases every year as the pet ages. If the policy holder is with the plan since birth, there should be some discount.

out of 5

POSTED: | BY: customer

Figo is a terrible Pet insurance…

Figo is a terrible Pet insurance Company. Be aware - READ ALL THE FINE PRINT! They cover NOTHING!

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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