Figo | Pet Insurance Review


out of 5

Number of reviews 2,501

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.6
  • 4.4
  • Count
  • 1
  • 5
  • 2,501

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


Claims processed quickly

Claims processed quickly. Not the same discounts applied to actual charges as with other pet insurance companies I have used in the past which is the reason I stay. The only reason I gave four instead of five stars is because there is a part of the claim process that is not clear. The claim was closed because they didn’t have all the documents and I was not notified, but because I have the app I was able to follow it closely and knew what was missing and handled it very quickly.

out of 5

POSTED: | BY: Christine

Very confusing

Very confusing. Your breakdown of what is covered is confusing. I thought the breakdown is what I pay, not the maximum you'll pay in a year. For example, our spay costs us around $550. The breakdown says $75, but what does that mean exactly?! Is this what I pay, or what you pay??? Very confusing and upsetting. Submitted over $800-$900 of basic puppy bills for vaccinations, spay, etc, and only received $135 back. Pitiful!!!

out of 5

POSTED: | BY: Sammy Ennen

We have been fortunate to not have to…

We have been fortunate to not have to use Gigi yet.

out of 5

POSTED: | BY: customer

Not happy with the price increase!

Not happy with the price increase!

out of 5

POSTED: | BY: Thomas

Great experience with Figo so far

Great experience with Figo so far. We just Signed up and had our first puppy wellness check, filed our claim, got it approved within a couple of hours and the reimbursement was in its way. Very impressed so far!

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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