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: Alan

Figo is the ONLY one

A family friend recommended Figo when I got my first labrador puppy, Charlie. Thank god I listened. Within a few days, Charlie swallowed one of my son's toys. My first claim was an ER visit. I was not sure what to expect as this was my first time with pet insurance. I filed the claim like it said on the website. Surprisingly, it was so easy. I was reimbursed within a week. Hopefully I won't have to file a claim again. But if I need to, Figo will be there for peace of mind. Thanks FIGO!!

out of 5

POSTED: | BY: Marisa S!

Thank you Figo!

Jennifer the customer service agent is super quick and helpful, within seconds of sending her a text she is ready to go above and beyond to help you with anything and everything!!

out of 5

POSTED: | BY: Shaina Boone

Easy to use, generous benefits and very supportive

After 16 years of excellent health with our beloved cat she came down with an acute case of pancreatitis. As she was aging, and that incident cost us $6000 out of pocket, we decided to finally get insurance for her. We were concerned no provider would take us due to her age as several do not, but luckily Figo did. We were then extremely grateful when we got insurance as her health continued to decline over the next eight months, and we recently had to say goodbye to her. While Figo did not cover her existing pancreatitis, they covered everything else that happened the next 8 months. Which included chronic inflammatory bowel disease, an acute anxiety issue due to an alley cat, a urinary tract infection, a kidney tumor and finally our loss of her and the cremation process. We were reimbursed nearly all of the money of the claims we had submitted (minus a pancreatitis flare up), and only paid in a tiny fraction of that total dollar amount in monthly fees. I found the website and submission process to be easy once I figured out it would save time to always submit lab/exam notes with the invoice. The turn around time for claims processing and getting reimbursed was also surprisingly fast. On top of all of that they were incredibly empathetic, sympathetic and gracious with our loss. They made the emotionally painful process of closing the account nurturing and supportive. They even sent us a hand signed card several weeks later. Should we choose to get another furry friend in the future, we will start off with Figo from the beginning. I can't recommend them enough.

out of 5

POSTED: | BY: Matt

Jennifer was very friendly and …

Jennifer was very friendly and personable and did a nice job of making the pet insurance experience more enjoyable.

out of 5

POSTED: | BY: Marc Fargotstein

Fine Print

First, I ran in to an issue when paying for the insurance. It wasn't until after I accepted the monthly terms that it showed me that I would be charged a monthly service fee. I called and spoke with customer service and got that resolved. Later, I got an email saying that they needed a health exam that was within 48 hours to waive the waiting periods. I called and asked about this and they said that there was a 2 week waiting period for medical issues, 5 days for emergencies and 6 months for knee problems. I didn't see any of that before I signed up.

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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