Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 4.9
  • 8.7
  • Count
  • 0
  • 7
  • 582
  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 10


New UnderWriter PRICE JUMP!

Purchased this insurance for my chihuahua and cocker spaniel in 2018. For $10,000 max coverage yearly with $500 deductible covered at 80% it was $61.20 for the Spaniel and $62.90 for the chihuahua. So apparently they have a new underwriter. The new price for the same exact coverage is now $111.96 for the Spaniel and $88.34 for the chihuahua!!! $75.30 more a month!!! A 62% increase!!! Oh and good luck getting them to pay a claim. You have to call in everything and fight every claim. If you don't everything is a pre-existing condition! Buyer BEWARE! Figo is a terrible!

out of 10

POSTED: | BY: Sharron

Looks for any small loophole to avoid claim payment.

This company is the worst. It exploits every loophole to evade claim payments. Total waste of money. Please do yourself a favor and spend your hard earned money on a QUALITY pet insurance!!

out of 10

POSTED: | BY: Wendy Meyer

I highly recommend them in all aspects!

Figo has been awesome! I think their rates are reasonable. I take a pic of the vet bill with my phone and two to four days later the money is in my account. All medicines , surgeries and vet appts have been paid for ASAP! If there is a question about a procedure, your vet cane easily send them an email or phone call to clear it up. Fantastic customer service! My dog has had 2 surgeries and not one hassle from them. I cannot recommend them high enough!

out of 10

POSTED: | BY: Kerry Johnson-Morud

Figo Pet Insurance is the Best

Our 11 year old, Golden Retriever, Libby, started throwing up black one day so I took her to the vet the next morning and found out she had tumors on her spleen and a tumor in her stomach near her esophagus. We brought her to an emergency vet on the recommendation of our vet so we drove the two hours to bring her there. She was hospitalized for three days, received a transfusion and multiple tests. The emergency vet suggested we bring her to the oncology department at our state university, another 5 hours away. We took her there and they felt that they could do surgery and get the cancer out. They did the surgery and removed the spleen, and tumors unfortunately they did not close up her stomach completely so it caused her to get septic. They went in and repaired it but her organs started to shut down and she had to be euthanized. After all was said and done we had paid over $18,000 between all of the vets. I turned in my claims and within 7 days the money was in my account. I was nervous that they wouldn't pay but they were great. When I called to cancel her policy, they were very kind and within a few days I received a hand signed card in the mail. I would recommend them 100%!

out of 10


New underwriter in 2020 changed the review from 10 to a 1

When I first signed up with this company, I gave them stellar reviews; however, things have gone downhill. This company lured me in with very low rates for pet insurance for all 3 of my dogs. After 2 years there was a significant increase in premium that raised my cost by almost $200 a year. They explained it was due to my premiums being too low compared to the national average and they needed to be raised. At this point, my dog was sick and I just kept the insurance. The following year there wasn't a large increase and they assured me that they wouldn't have a significant increase like that again. Fast forward 3 years later and they have changed underwriters. Now my premium has increased by $10-$15 per dog, raising my premium by $380 a year. At renewal, the company hid this significant increase by lowering my dogs coinsurance from 80% to 70% without my authorization. They said they did this automatically to not have my premiums raise significantly. When I asked them to change my policy back to what I authorized (what I signed up for) I then saw this large increase to my insurance rates. Had I not read my declaration page very closely, I would not have noticed this small change to my policy and wouldn't have seen this increase in premium. This is being done during the covid-19 pandemic and most insurance companies are offering discounts to their clients. Figo, is changing your policy design without your consent to hide the insanely large increase to your premiums. This company uses unethical business practices to lure you in with very low rates, knowing that after 4 years your dogs will have been to the vet several times and anything your dog has been to the vet for, another pet insurance company with not cover because it will be considered a pre-existing condition. Figo let me know that if I cancelled my policy, no other insurance company would cover my dogs cancer treatment. So either I pay the new high premium or just create a savings account to save an emergency fund for my dogs.

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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