Figo | Pet Insurance Review


out of 5

Number of reviews 1,893

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 1.0
  • 4.4
  • Count
  • 1
  • 1
  • 1,893
  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: Merrick

The best pet insurance in the market!

I used to be a customer of VPI (now Nationwide) which, at least years back, used to be terrible. I was then a customer of Petplan which, at the time, was one of the best in the market, but there were still a few too many restrictions which hindered some medical choices (only improved upon in recent months). So, back this spring, for my new dog, I pored over all of the available plans and, based on all that experience, Figo came out best, above and beyond. They've thought of everything (see the "Compare" chart on their website) and their premium (so far) is reasonable. I've had them since June for my current dog and already (unfortunately) have had to make several claims, and they've paid as expected, and quickly, and their customer service is terrific. Definitely put them in your mix when you research plans!

out of 5

POSTED: | BY: Shiara Arulpragasam

Figo is simple and affordable!

After spending a fortune on my last Dane, I insured my baby Ajax as soon as I got him. Figo beat other pet insurance quotes by almost half. Pretty incredible! My great dane even got a discount for being a rescue. Customer service was superb and was excellent answering all my questions. Figo really makes the whole claims process so simple and paperless. So affordable as well! I really love Figo because is it is one annual deductilbe, not a deductible per condition like all the others. The whole user experience was exceptional! Thank you Figo for insuring my big baby, Ajax!

out of 5

POSTED: | BY: Alex Miles

Like Wading Through Cheese [updated]

I thought there was a problem with Figo denying claims but it turns out to be one slight teething problem with the underwriter not understanding what a blood panel is, and my vet, who is OK but REALLY BAD AT FILLING IN FORMS. Approximate won't do when filling in forms an insurer is going to base a decision on, so I think my vet will be undergoing a little retraining :) I have accordingly updated my review. My apologies!

out of 5

POSTED: | BY: Alex Miles

Two claims - two complete disasters

We have six pets insured by Figo and two have recently become ill. It seems some program or unqualified employee is scanning vet bills for terms like "wellness" in blood panels and auto-denying entire claims based on that. No matter the reason for the visit. A decent vet will order whichever blood panel has the required tests in it - in order to keep costs down. I could always ask the vet to order each test one at a time so that they have impressive sciency names like "hematocrit" and "blood urea nitrogen" or "calcium". The bill would be $1000 instead of $100 though. Seriously Figo, you'd prefer that? "Its no problem" says the lady on the phone "you can appeal"? Yeah actually, it IS a problem. I shouldn't have to. Figo - would it have killed you to read the reason for the visit. We were pretty clear about it on the claim. Would it have killed you to phone up the vet and check if you didn't believe us? Take the second claim. We have a new cat. When I found it on the street six months ago it was covered in fleas and scabs from scratching at the fleas. I gave it flea treatment then took it to the vet for antibiotics and a check-up, paid for this all ourselves and the cat was well again. A couple months later I added her to our policy. A couple months after that and, still flealess - she suddenly started licking patches of fur off and acquired a heart murmur. Hmm.. Could be kidneys, could be dermatitis could be any number of neuropathies. It is heartbreaking to watch the poor little creature scratch and lick herself raw till she bleeds and we don't know why. The vet doesn't know why. The hospital doesn't know why - so she was booked in for more tests this week. Then Figo wades in. Claim denied. Code 4. Pre-existing condition. We cancelled the tests. She either gets better on her own soon or she gets put to sleep. Figo outsmarted the best doctors in Georgia (and I'm no slouch at this medical stuff myself) and beat everyone to the diagnosis. I am so impressed with Figo right now. I'll be even more impressed when they name this pre-existing condition. Know what's most impressive of all? They call the plan we're on 'Ultimate'.

out of 5

POSTED: | BY: Syed

They are awesome!

My cat got super sick, they sent a card, called and paid as expected! I also use wellness plan from Nationwide, which is great but always have to get them to get the right amount released. Figo is amazing, I am at peace and with so much affordable rates! The most shocking thing is that they are hardly compared on best insurance for pets or anything like that. They must be insane.

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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