Figo | Pet Insurance Review


out of 5

Number of reviews 2,398

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.0
  • 4.4
  • Count
  • 2
  • 4
  • 2,398

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: So glad to have Figo.

Highly recommend -- buy this now

I was hesitant to buy pet insurance because I had read it was kind of a gamble on your money. Then my kitten died, and I didn't want to ever worry about cost again during a pet's last moments. I was determined to find the best plan. I spent hours comparing policies, but I didn't need to. Figo had the best coverage and the best price -- and no cost in life-threatening emergencies. The site is beautiful and easy and the whole experience has just been so positive. My pet is treated like family. Bafflingly good! Don't wait until tragedy strikes; just do it!

out of 5

POSTED: | BY: Mary Beth Fant

Comprehensive coverage and great customer service.

Positive staff with good communication skills! Thank you!

out of 5

POSTED: | BY: David Chambers

Best customer experience and amazing value

Best customer experience and amazing value! With two cats, and knowing the history of pet health care costs through long experience, pet insurance seemed like a no-brainer. After reviewing the available options, the logical solution was to choose Figo. Why? Figo offers the most affordable and accessible plans. When you do the math, it makes good financial sense. More significantly though, as anyone who has ever filed an insurance claim knows, the claims process is usually not the most pleasant experience between a consumer and the insurer. But I have found that Figo has turned that notion on its head. Claims are incredibly easy to file, amazingly quick turnaround time is also a big plus. What really clinched it for me was the customer service reps. They are not only friendly, courteous and super helpful, some of them know oodles about pet health, all of which makes every call a great experience. I cannot find any reason to go back to the old insurance model, especially when I can do everything from my iPhone. (Too bad for the cats, we can't conduct their vet visits from an iPhone.)

out of 5

POSTED: | BY: Mike Maloney

Good people with which to work.

Your phone receptionist was great to speak to and responded quickly to my e-mail.

out of 5

POSTED: | BY: Alice Mauck

Figo has demostrated a level of customer service far above and beyond what one would expect to find!

I have had some questions during our time with Figo and each time I have been blown away by the quick, personal, kind and thoughtful response! The claims are settled in usually one day and the claims process is ridculously simple. Many, many companies could take lessons from Figo regarding how they do business and how they treat their customers. I honestly cannot say enough about this company! Top notch all the way!

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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