Figo | Pet Insurance Review


out of 10

582 Verified Reviews

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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

POSTED: | BY: George Thomas

These people are deceitful!

Even though they claim that they are direct pay. All sites show that checked... BEWARE because their loophole is thy say it is done on a case by case basis.. Don't waste your time looking for that statement in their advertising because it is not there!!! Very misleading and very deceitful!!

out of 10

POSTED: | BY: Barbara Malaczewski

Everyone was nice and caring

Everyone there has always treAted me with Care and kindness

out of 10

POSTED: | BY: Raechel Anderson

Stay Away! Go with Healthy Paws

We initially loved Figo, especially because we insured our cat later in life, and not a lot of pet insurance companies offer decent pet insurance when the pets are older. Figo (or at least our policy) was originally underwritten by Markel. When they were bought out by Independence America (last year or two), they literally tripled our premium at the renewal date, and substantially reduced the benefits and also created a huge spike in our deductible. Plus, the customer service during that transition was very uneducated and not very helpful. Of course, now we can’t switch due to several conditions which would be considered pre-existing to another company. That alone was very disappointing. But then, they became incredibly focused on scrutinizing each claim to find a reason to not pay it. Any loophole they can find, they leverage it. I have had to appeal two separate claims and even with letters from our veterinarian, indicating why the treatment fell under my policy's terms, they don't budge - or budge very minutely, but not enough to really make a difference. I'm not sure they're even honoring their appeal process, as they're supposed to get an independent veterinarian involved, and I've received no assessments from another vet. Also, some of the terms make no sense. For example, they don't cover oral surgery, at all - even if it's due to an illness or disease. Our cat has an oral mass that needed to be removed and in order to remove the mass, they had to remove the tooth. Figo decided not to cover the entire surgery because they claim that it was oral surgery to do a tooth extraction. They said they would only cover it, if it was an accident/injury - not an illness. But the main reason that we get pet insurance is to cover illness, diseases, etc. This simply doesn't make sense to me. And now, they are not paying things that they had paid a few months ago (still same policy year). It's super sad and discouraging to pour so much into premiums and deductibles, only to find them constantly finding loopholes to not pay the claims. We have Healthy Paws for our other 3 creatures - literally Thank God. HP is the absolute best pet insurance company, and are very generous in their claim reviews and payments, and take their customers at their word, placing a high value on customer care / service. If you're going to invest in pet insurance, skip Figo, for sure. Choose Healthy Paws

out of 10

POSTED: | BY: Thomas M

Horrible - Do not waste your money!

Firstly, I want to say that I wish I had researched any bad reviews years ago before I ever signed up with FIGO. It seems that others are in the same boat as I am! I have been a loyal customer of FIGO for approximately 4-5 years now. I have NEVER needed to use the insurance however, I continually paid my monthly premium on auto-pay (by now, thousands of dollars total). I initially went with them because one always worries about getting coverage for pre-existing conditions whether it be minor or major and they seem to have stated they had a good policy with regards to considering a pre-existing condition something that has happened within the last 18 months. Well, for the first time in a while, I had to bring my cat to the vet as he had a small lump on his jawline... I wound up spending a little over $400 however, I was glad to know in the back of my mind that I had EXPENSIVE coverage for Koby's medical needs. Guess what? They only paid my visit fee and denied everything else(did not pay it really, it went toward my exorbitant yearly deductible)!!!! First of all, it even states on the explanation of benefits that, "Any illness or other condition that first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition within 18 months prior to the pet policy effective date or prior to the expiration of any applicable waiting period"... Ok, I called customer service, maybe this was a mistake. I asked for an explanation and the rep confirmed that Koby had a lump on his lip back in 2013 so it is considered pre-existing.. wait a minute, what is the whole thing about the 18 months prior to starting an insurance policy with them? (2013 was over 2-3 years before I ever signed up with FIGO!).. I was told basically, read the fine print in our policy.. Ok, not only this but in 2013 he was brought to the vet for a swollen ball on the tip of his lip (allergic reaction to his food bowl - plastic).. as soon as we changed his bowl to metal, it went away and never came back. Now in 2020, he had a lump on the side of his jawbone and it will not be covered. This just sounds too funny to me. Every year, your premium goes up and goes up quite a bit at that. Like I said, I have paid A LOT in the past few years each month to ensure I have coverage for my cat. WHAT A WASTE OF MONEY!!!!!! I could have literally put that money away each month as if I were contributing to an emergency vet fund for any vet bills I would need to pay in the future and I would have been completely fine. It is so sad to see that they can easily take your money every month, increase your monthly premium each year, and then deny your claims and pay close to NOTHING. This is not the first time they have disappointed me however. Obviously, I was upset about the increases in monthly prices each year but whatever, you cannot do anything about that especially if you want to ensure your pet has coverage (or so you think they would anyway), but I was grandfathered into 100% reimbursement along with a $200 deductible. Well, this recent and current policy, I was raised to a $500 deductible and unable to keep my $200 one.. It is very clear that they do not care much about your pet or about your financial situations/the reason why you prefer to pay for coverage. Again, I am really saddened to know my money that I worked so hard for is wasted and gone, for nothing. I had to pay the entire bill and the little sixty something exam fee they did cover, it went toward my big $500 deductible anyway (LOL!). Please - take this from someone who has been with FIGO for years, paid tons of money in premiums and NEVER used them within that time period up until this year....SAVE YOUR MONEY AND YOUR ENERGY!!! Put away some money every month (or every paycheck) toward an emergency vet fund for yourself (as if you were paying a monthly premium, only to yourself). This way, when you have a vet bill to pay, you will have this money already saved. Another option, get CARE CREDIT.. You never want to invest in something that you will forever be uncertain about. I pay for FIGO insurance and I get close to nothing in return from them. Absolutely terrible.. still in shock that I am at a loss. I really did have high hopes for this company and their services but I must have been sadly mistaken. Just to reiterate : SAVE YOUR TIME and YOUR MONEY.

out of 10

POSTED: | BY: Connie Garcia

Peace of mind

Claims can be terribly expensive. This gives us peace of mind if anything should happen.

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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