Figo | Pet Insurance Review


out of 5

Number of reviews 1,785

  • 60 Days
  • 1 Year
  • Lifetime
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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: Cory Tomasino

Best Pet Insurance Hands down

I was reluctant to get pet insurance because it is a fairly new thing that while growing up, most people didn't have. Now there are many options of highly rated pet insurance companies. I did my research and found Figo. The are based out of Chicago so it always feels good to support a local company. There offerings are very understandable and prices are competitive, if not better than other companies. My dog had an incident recently and Figo was extremely fast with reimbursement and communicated to me very well throughout the process (emails and calls). They even sent my little Ruby a get better soon card :). This company has no weaknesses. Here's my quick recap of Figo: Signing up is very easy, website/mobile app is wonderfully built and functions properly, customer service is on point, and their pricing is on par or better then the competition. I've already told my friends and family about Figo and I will be staying with them for the long haul.

out of 5

POSTED: | BY: Elizabeth West

Usability issues but good service

The web site needs a thorough usability review. In particular, some colors don't show up on all browsers -- specifically FIrefox and IE, which are widely used. So, when trying to enter information or respond to required fields, they simply aren't visible to the customer. Follow-up to questions is prompt but only after a frustrating experience. Every web page should be tested on all major browsers to ensure that all fields are visible! Don't let designers select colors that are problematic.

out of 5

POSTED: | BY: Joanne


simple easy fast and nice ;-)

out of 5

POSTED: | BY: Arlene Tankson

Easy to see stuff

I like getting stuff on the computer and being able to send stuff to the company.

out of 5

POSTED: | BY: Phil Wells


Great company! Their customer service is amazing and their Pet Cloud is super cool. So happy I found them.

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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