Figo | Pet Insurance Review


out of 5

Number of reviews 2,477

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,477

Updated: November 13, 2023

  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: Ana Nogueira

Best decision we ever made!

They are fast and super easy to use. We had to take one of our cats to the vet and to emergency vet and it was incredibly pricey, but having this insurance and being able to get some of our money back was amazing. I love Figo, it has made our pets lives better and gives us a lot of peace of mind. Thank you Figo.

out of 5


App w/ Vet Chat & claims processing

The online app with 24 hour vet chat access is incredibly helpful and when I had to submit a claim, the process was straightforward.

out of 5


Good Claims, Bad App

Claims have been processed quickly and they paid what they said they would. My only gripe is their app. It’s hella slow to load data and they’ve hidden claims, which is what I care about most.

out of 5

POSTED: | BY: Sarah

Way too difficult to get customer service

I’ve tried more than one time to email and call customer service to understand why my dogs claim will not be processed. I don’t get a response for 5-7 days and when I do, it’s the same generic response. No critical thought put into it. I don’t know what medical record they are looking for, or I would try to provide it. If it’s going to be this difficult to submit claims I may have to look for another company. We had Embrace for years and never went through anything like this. It is still not resolved, and seems likely that a claim for this dog will never be processed since they won’t accept the records that I have already uploaded.

out of 5

POSTED: | BY: Nelson Wyatt

Great customer service

Great customer service

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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