Figo | Pet Insurance Review


out of 5

Number of reviews 1,785

  • 60 Days
  • 1 Year
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  • 4.4
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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 5

POSTED: | BY: Gina Malizio


Everything I heard was spot on. I've had a few minor hiccups with submitting a claim and attaching documents from my pet cloud. I've only submitted one so far, it's taken a little bit longer than I would like but it's nothing major. But the product and service is solid and I like what they are offering, it all seems legit and works for a pet owner and not against them

out of 5

POSTED: | BY: Carly Carcelli

Awesome Customer Service

I've gotten the best customer service from Figo than from any other company -- pet product or otherwise. I haven't needed to file a claim yet, but I'm sure things will go smoothly.

out of 5

POSTED: | BY: Johnnie Hernandez

Love figo

Fast claims, email response, text back, answers. What else do you want? The people at Figo pet insurance are always friendly :) they are clear on what is and isn't covered. They are simply GREAT my furchild and I love Figo

out of 5


All the right components

We are new customers, and are happy so far. This plan offers its all the right components for what we were looking for.

out of 5

POSTED: | BY: Arianna Baroni Bonnet

Excellent insurance, customer care is absolutely top notch, plans cover everything and they reimburse super quickly!!!!!

I think i made the best choice by choosing FIGO. I researched pet insurances for days and decided to go with them. They cover everything and there are no max per incident/disease just a yearly max. Their customer service always goes above and beyond and not once i have been disappointed. Claims are so easy to file (online) with no paperwork or forms to fill out, just send the receipt. They reimburse so quickly. Best choice I've taken for my 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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