Figo | Pet Insurance Review


out of 5

Number of reviews 2,477

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,477

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: Stanley

Figo offers the Most Generous Coverage

I signed my dog with Figo simply because I felt because Figo has the most generous and overall complete package. I really like the Pet Cloud app and how easy and convenient to use. I filed my first claim and took a little over 7 days. Although Figo may be new, Figo offers more and should be considered by every pet parent.

out of 5

POSTED: | BY: Helen Evers

Jennifer not only told me how to fix my …

Jennifer not only told me how to fix my issue but did it for me! Took no effort on my part. Also I love the fact I can text! So easy!

out of 5

POSTED: | BY: Zach

Figo is what every pet parent needs

I just insured my second puppy with Figo. OF all the insurance companies out there, I found Figo to be dependable, reliable, and excellent customer service. The coverage is rather extensive compared to the other pet insurance companies. The best part about Figo is value. The value is generous coverage combined with an affordable monthly premium. My first pet with Figo I just renewed, and although the monthly premium had gone up, the premium was still affordable. Also, I got a discount for signing up my second pet.. I recomment all pet parents out there to considrer FIgo.

out of 5


Bait and switch

After hours and hours of research and almost a year of coverage I thought I had found a true gem. However, Figo has just filed to increase rates in the state of NJ by 52%. That is absolutely insane that a company can double your rate with the snap of a finger and is far from customer centric. This company went from hero to zero in my book, looks elsewhere.

out of 5

POSTED: | BY: Adrienne

Figo is so simple and easy

I wanted a pet insurance that was easy to follow that covered illnesses and accidents. Most importantly, one that is affordable with great service. I inquired and I chose Figo. Everything great so far. I filed a couples of claims and both were processed in a week. I recommend Figo to everyone

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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