Figo | Pet Insurance Review


out of 5

Number of reviews 2,563

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,563

Updated: November 13, 2023

  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: Rosemarie Malizia

Don't hesitate to get this insurance it's wonderful

My cat had a condition entropion. This means his lower eyelid was turned in and scratching his cornea with his lashes. He needed surgery to prevent permanent damage to his eyes and to relieve the pain that he was in. He was operated on on a Thursday, I submitted the claim on Friday, I had my check by the middle of the next week covering the surgery which was expensive. The only responsibility I had was to submit all the appropriate papers that FICO needed and they took care of the claim. I would not have been able to afford this surgery and my cat would have remained in pain and possibly had his eyesight compromised. I'm thrilled with this company.

out of 5

POSTED: | BY: debrianna

Excellent service so far

I have had an easy time submitting my claims toward my deductible. the process is quick and response is too. i have not had to go beyond that as yet .the service has been great to this point!.

out of 5

POSTED: | BY: Elizabeth

Best Pet Insurance

We are so delighted with Figo Pet Insurance for our new red Irish setter Newton. The convenient Figo phone app allows me to start new claims before leaving the vet’s office, including uploading pics of claim forms, Vet progress notes, & photos as supporting documents. Claims are processed within 14 business days and the funds are conveniently deposited into the bank account of our choice. Customer service reps are always friendly, helpful, & knowledgeable. We highly recommend it!

out of 5

POSTED: | BY: Ruth Murray

Easy and painless process throughout!

When you are worried about your pet’s health issues, the last thing you need is a complicated claim process. Figo is amazing- quick, easy and painless from beginning to end. Highly recommend!

out of 5

POSTED: | BY: Rebecca Kightlinger

If you have pets, you need Figo

Thanks to Figo pet insurance, I have been able to give my pets the medical care they have needed. Figo insures our three dogs and three cats, and this year, the pet least likely to have gotten sick, a healthy two year old cat, contracted an overwhelming infection. Because Annie was insured, we were able to get her the advanced diagnostic imaging and biopsy she needed as well as the antifungal meds required to treat a resistant organism. Customer care is superb. I recommend Figo to every pet mom and dad who never wants the cost of care to determine whether a beloved pet lives or dies. I’ll never be without it!

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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