Figo | Pet Insurance Review


out of 5

Number of reviews 2,619

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
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  • 4
  • 2,619

Updated: May 29, 2024

  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



I submitted no claims during the first year of coverage for my 4 year old German Shephard mix. The renewal premium increased by 32%.

out of 5

POSTED: | BY: customer

I found this email in my spam folder

I found this email in my spam folder. From year 1 to year 2, my rate increased nearly $200. I’ve made no claims. It’s a lot of money.

out of 5

POSTED: | BY: giti sakhapour

I filed a claim2023 around Oct …

I filed a claim2023 around Oct waited, waited and haven’t heard anything !!! I called back and filed the same claim again waited waited nothing happened and then they were asking more information that alreay my vet gave them but they wanted more : ! they had everything I told them my previous vet Hospital transferred all the information to New hospital that I have been with them several years they just wanted something an excuse to denied the case. finally few days after our last conversation they denied the case because of Existing condition ??? and they never explain why they think that problem was a existing condition. they just sent me the general information that what is existing condition ?? That really didn’t help that much !! I am not happy with this Insurance . I have two dogs with them Waste of time and money

out of 5

POSTED: | BY: customer

Great insurance

We got figo pet insurance through Costco. It’s a great deal and very easy to submit claims and be reimbursed. People Health insurance should be this easy!

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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