Figo | Pet Insurance Review


out of 5

Number of reviews 2,601

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 4.4
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  • 4
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Updated: May 29, 2024

  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: Erich

Figo is the best pet insurance company !!

Figo is the best pet insurance company out there. In terms of customer service, policy, ease of app/website, and a straight forward & fast claim process. They have competitive prices and offer a 100% reimbursement option! If you got this policy for a pet before issues start, you will have no regrets. If you got it after issues started, and if requested, they will thoroughly review your pets history and clearly let you know what won’t be covered going forward. If something comes up with one of my pets, I know Figo has got my back.

out of 5

POSTED: | BY: Kathryn Keller

Excellent Insurance and Customer Service

Quick service and very easy to work with. I highly recommend.

out of 5

POSTED: | BY: Jennifer Simmons

Great service

Easy claim filing, good service. A little slow processing it but other than that very good.

out of 5

POSTED: | BY: Jessie Brown

So easy and fast!

Well worth the money! Filing a claim is so easy and fast and claims are processed within minutes!

out of 5


Excellent service!

Our dog has just been diagnosed with diabetes. The team at Figo has been very helpful, advising and leading us through the procedures for reimbursement. My daughter has CP and seizures - the dog is very important to her. We got the insurance to cover something major, but we are grateful to get financial help as this will be long term..

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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