Figo | Pet Insurance Review


out of 5

Number of reviews 584

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.4
  • Count
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  • 2
  • 584

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: Julie Dunks

Figo: Simply awesome!

Our vet recommended purchasing pet insurance for our Newfoundland puppy Togiak. As a first-time pet insurance shopper, I chose Figo because of the user-friendly format, straight forward plans to choose from, & easily understood verbiage. The initial purchasing experience was very simple & seemed to offer competitive fees. When the time came to file a claim, that too was extremely easy & efficient. Photos of receipts & invoices for care were easily uploaded along with the claim. Samantha Hall responded to all my email questions very quickly. We received our reimbursement check in a timely matter - about 2 weeks later! Figo Pet Insurance is a pleasure to work with, and I HIGHLY recommend this company!

out of 5

POSTED: | BY: Laura Clark


Katie was extremely helpful with giving me all the information I needed to switch my pet insurance to Figo.

out of 5

POSTED: | BY: Danielle D'Arrigo

Katie was the greatest!

Katie helped clarify everything for me and she really out my worrisome mind at ease. Thanks Katie !

out of 5

POSTED: | BY: Lauren Patterson

Figo is THE BEST!

I am SO excited to have joined the Figo Family. They were SO helpful, and answered any and all questions. They do not push any sort of program on you. Their site offers very clear information, but any questions you have, the Figo team is quick to respond. I spent well over 10 hours analyzing various pet insurances, and Figo offers the best coverage, at the best rate! Plus their customer service is top notch - and to me that makes a difference!

out of 5

POSTED: | BY: Sandra Lee

Great information!

Katy Kilroy was great in explaining everything about Figo insurance for my newly adopted dog. Prior to calling Figo, I spoke with a rep from another insurance co. who was incredibly unhelpful. I was encouaged to speak with Katy, who was not only informative but answered all my questions and gave me some helpful hints. Thank you, Figo, I look forward to signing in with you!

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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