Figo | Pet Insurance Review


out of 5

Number of reviews 2,501

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.6
  • 4.4
  • Count
  • 1
  • 5
  • 2,501

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: Sasha

Above and Beyond the rest!!

I really mean that. What is really like about Figo is it's simplicity. The plans are simple and easy to follow. The claims process requires little effort and time. If I had a question, I would textt. I would get a reply in minutes. I told my vet how happy I was with Figo. I told my friend and she signed up her 4 cats and could not believe how affordable it was. Thanks Figooo!

out of 5

POSTED: | BY: Henry

Figo has it all!!!

Figo has it all. The coverage is generous. The price is affordable. The app sets them apart. These are the reasons I like Figo, and tell my friends and family with pets to only consider Figo. I tried other pet insurance in the past, and the experience was not so great. With my new frenchie pup, I was recommened Figo, and it was the best decision ever. A few months ago, my pup Megatron had a respiratory infection that turned pneumonia. The bill was 1000. My deductibel was 200, and i chose 100 percent coverage. I received an 800 check in the mail. SO sweet.

out of 5


FIGO has been a lifesaver

FIGO has been a lifesaver. Not only are the insurance reps very reachable via phone or email, but this policy for my tiny dog has paid for itself ten-fold. My little guy had complications after routine teeth surgery and spent 5 days in emergency vet care. I am happy to say FIGO was quick to process claims, and they covered ALL of my bills. What a relief! FIGO is worth it. The associates are very knowledgeable and caring. Jennifer Czech was really helpful for the last question I had. All of the staff are great. The app is really easy to use also, making it easy to see updated claims status. The checks also arrived in the mail immediately after the claim was approved. Thanks FIGO!

out of 5

POSTED: | BY: Donald F. DeLany

So far so good

So far so good, just got it. Will see how they perform when needed.

out of 5

POSTED: | BY: Rosa M

Fast response via text!!

Communication with Figo is easy, fast and meets today's technology demands. The app is fantastic. My questions are answered fast via text. I will refer Figo to friends and family.

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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