Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 4.9
  • 8.7
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  • 7
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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: Aneta Dabros


good insurance

out of 10

POSTED: | BY: Miguel

Do not waste your money

My pup, Jojo, had a knee injury that was diagnosed by multiple veterinarians. Even though i had multiple vets tell me this, FIGO still chose to claim that it was a previous existing condition. I even had the vets write letters in regards to the findings of the injury and FIGO still refused to cover it. Do not waste your money with this insurance. In addition, after 3 years of having their policy, they decide to change the underwriter. Thus, cause an increase in premium and an increase in deductible. If I chose to go back to my previous deductible, it would be a $45+ in addition to what i was already paying. The only reason I do not cancel this policy is because of my pups already diagnose health conditions that would not be covered elsewhere. Do not buy this insurance. It will cause you multiple headaches.

out of 10

POSTED: | BY: Chen Jeri

Good Figo


out of 10

POSTED: | BY: Sreypani

This is not a trustworthy company

Figo is not a good pet insurance company and I wouldn't be comfortable recommending it to my friends and family. When I was first shopping for pet insurance I ran across a ton of negative reviews accusing Figo of doing a bait and switch, where the first year's policy is reasonably priced but then it doubles the next year. I asked a Figo customer service rep if that actually happened and she denied it. It was one of those situations where either the rep had been lied to or she was lying to me, neither of which is good. She recommended that I request a quote for my pet but aged one year older to see how my premium would increase after one year. That seemed fair, so i did that. The increase was from $48 to $54 and that seemed fair so I bought the policy. They messed up the first claim. They applied the office fee toward my deductible even though i hadn't paid for that option. I called them to let them know of the mistake. They were embarrassed, which is the correct response. It is embarrassing to be an insurance company and not know how to process your own claim. At some point during my first year, the company announced that they were changing underwriters because they got so many complaints about doubling premiums (guess that was true after all). When I moved from Phoenix, AZ to a small town in Minnesota and went to renew my policy, they wanted to increase my premium from $48 to $68. I called to ask why there was such a big increase and they said it was because I had moved and vet care is more expensive in my new location. In what universe is pet care more expensive in a small midwestern town than it is in ANY large metropolitan area? I HATE being lied to by companies so I found a new pet insurance company. Plus, the deductible increased from 1000 to 1500 and I lost some other benefits I cant remember right now, but they wanted more money for it. I cancelled my Figo account and received an email confirming cancellation. The next month they still charged me the premium. At that point I was in the middle of changing banks and had a minimal amount of money in my old bank acct, which was linked to Figo. The payment overdrew my bank account. They refused to cover the charges. So ask yourself this... if you're in the middle of a medical emergency with your pet, who may be the love of your life, will you be able to trust a company that has repeatedly lied to you and been unable to follow their own claim procedures? Can you really trust them to be there for you and your pet in time of desperate need? I don't want to be in the position of having to choose to put down my pet because I cant afford the treatment because my pet insurance company can't get itself together. Me, I'll go with a company that's better established, doesn't outright lie to me, and knows what it's doing. Two stars instead of one because the price was good for that first year and bc they do respond really quickly when you contact them.

out of 10

POSTED: | BY: Nicole

I would never recommend Figo to anyone!!

Figo's customer support seems great up front. In the beginning they are really nice on the phone, telling your everything that you want to hear. Unfortunately, it all goes down hill from there. My dog had surgery on her knee and I filed a claim with the company. The claim was denied and I have been trying to get in contact with them ever since. They no longer answer my emails nor do they call me back, even after they say they will. You can imagine how frustrating this is when all you are asking for, is for them to show you the verbiage in the policy that explains why they denied the claim. I would absolutely steer clear of waisting your money on this company when insuring your pet. When it comes down to it they just take your money and don't really care about you or your pet!!

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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