Figo | Pet Insurance Review


out of 5

Number of reviews 2,573

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,573

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: Mark

Simply the best

Look around no further. This is simply the best and easiest insurance company to work with. In addition, they care about their fur babies and customers. They send a get well card immediately which is always welcoming, and whenever you need assistance you call and are speaking to the same person which gives you a sense of that small town feel where you don't have to deal with a random representative who doesn't know anything about you or the dog nor cares. If only human health insurance were so simple! :-)

out of 5

POSTED: | BY: vince

Figo, great pet insurance company

I thought having pet insurance was not needed when we first got our puppy, Charlie. but now I am glad we have it and I am so happy to have chosen Figo. Very easy to work with. I would recommend this pet insurance to anyone with a pet.

out of 5

POSTED: | BY: Fay Smith

First experience

I submitted a claim to be applied towards my deductible. Imagine my surprise when my cat Itsy Bitsy got a get well card from Figo. Today I got an email notifying me that my claim had been approved and would be applied towards her deductible. Can't get better customer service than that. Thanks, Figo.

out of 5

POSTED: | BY: Mark Tompkins

Best decision we've ever made for our two dogs!!

We have two dogs, both were rescued. Sven is a Lab/mix (l yr 4 mo) and and Zazu is a pit bull (6 mo). We started to shop around for pet insurance after we adopted Zazu in March. I have heard nightmares about pet insurance and how it is a scam, but that did not stop me from doing my research. At first I was a little hesitant with signing up on FIGO. Everything I read about FIGO and what they cover sounded almost too good to be true for the price I was quoted at. We decided to give it a go and even ended up doing the 6 month waiver on knee related injuries for Sven just because we were already at our vet for Zazu's first round of vaccinations. I could not believe it, but Sven ended up tearing his ACL just this past week; about three months into our policy start date. Since we had his knee's waived everything is covered!! The visit was covered and the surgery is going to be covered to! Also, the fact that FIGO's staff is so caring makes this entire process that much easier on us. I filled a claim and three days later we were sent a get well soon card in the mail for Sven. Every time I call FIGO, the first thing they ask is how Sven is doing. The staff is amazing. I have already referred my entire family and friends to FIGO. Every pet owner we stop to talk to at the pet store I end up mentioning my experience with FIGO. FIGO is the best and most caring pet insurance out there.

out of 5

POSTED: | BY: Oscar Brambila

Great insurance, the reps always make you feel as a valued customer!

I love my Figo Pet Insurance. The customer service is amazing, their claim process is super easy and their online tools allow me to keep track of my dog's records. Highly recommend it!

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.

Get a quote today

Leave a review