Figo | Pet Insurance Review


out of 5

Number of reviews 584

  • 60 Days
  • 1 Year
  • Lifetime
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  • 3.0
  • 4.4
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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: customer

Reasonable cost

Reasonable cost. Prompt processing of reimbursement requests. Easy to use website.

out of 5


FIGO is a life saver literally!!!

FIGO is a life saver literally!!!! In March my fur baby started limping. Took him to vet and found out he needed surgery in his shoulder. Knowing that FIGO would pay as I have an older dog who as well has health issues and FIGO covered all of his bills. I scheduled surgery. I am happy to say surgery was a success and was reimbursed 2 days later a bill mind you that was almost $6000!!!! So if anyone thinking about insurance please get it and call FIGO THEY WILL NOT LET YOU DOWN!!!

out of 5

POSTED: | BY: Donna H

Portal is very user friendly

Portal is very user friendly

out of 5

POSTED: | BY: Quynn

Claim process was easy.

Claim process was easy.

out of 5


Too expensive for what it is

Too expensive for what it is. They fight any claim you make and don’t cover much. They are pretty blunt about letting you know anything you submit they will dig deep in your pets medical to not pay you a dime. I’ve paid them thousands this year for my pets and I’ve had them apply $18 to my deductible. Look elsewhere.

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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