Figo | Pet Insurance Review


out of 5

Number of reviews 1,785

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 0
  • 4.4
  • Count
  • 0
  • 0
  • 1,785
  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: Wanda Stover

I was so surprised to see neg reviews

I was so surprised to see any neg reviews for Figo. I have been with them for 4 plus yrs. I have also, at one time or another, had insurance with other companies for different pets. Figo surpasses all of them. Easy to work with and they pay claims quickly. Yes, their monthly premiums may be higher than some, but you get what you pay for. My dog now has liver caner. I have no idea what I would do if not for Figo. So thank you Figo!

out of 5

POSTED: | BY: customer

poor service, limited coverage

Nearly all of my claims have been denied for reasons that were not made available or clear at the time of purchasing my plan. I have received no response to my emails to customer service. The only positive thing I can say is that the app is well developed and the 24/7 vets available on the app are very helpful.

out of 5

POSTED: | BY: Michael

System could not Process claim.

System was not able to process claim and provided wrong email address to FIGO customer support. First claim went through without a hitch.

out of 5


Quick turn around on claims

Quick turn around on claims! They are always very responsive to questions. The ONLY thing I find odd is that they don’t reimburse tax as they refer to it as an administrative cost 🤷🏻‍♀️

out of 5


So quick and so efficient

So quick and so efficient! I love working with Figo! They help me give my pets optimal care!

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.

Get a quote today

Leave a review