Figo | Pet Insurance Review


out of 5

Number of reviews 2,577

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,577

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: Shehryar Hussain

Amazing options, service , application and rates!

Great rates with awesome options, also keeping in touch with their customers with a lot of tiny goodies over the corner.

out of 5

POSTED: | BY: Margaret Stringer

Claim process as advertised

Submitted a claim for my dog. It was very easy and simple. All online and required only the veterinarian's invoice. The amount claimed was under my deductible, and I knew I would get no reimbursement, but the breakdown of deductible and copayment was as advertised and as expected.

out of 5

POSTED: | BY: Michael Max

Worth every penny

I adopted a dog just under a year ago. He's had a few health issues in the time i've had him, but we also have had figo since day one. Great rates (competitive with all the competitors), great coverage (I have ultimate)--they have paid all my claims--sometimes for things I wasn't even expecting to be covered. On top of it, extremely fast claim processing and great customer service (with a personal touch).

out of 5

POSTED: | BY: Marianne Lippi

We are new to FIGO

This review regards signing up and speaking with Judy P. The sign up could not have been easier. I sent Muncie's health records instantly, paid for a year, added his picture and read the policy information from the cloud. I have already recommended this company to fellow dog owners (I literally signed up yesterday) because it was so easy and self explanatory and the price was fair for great insurance. I researched several pet insurance companies that "google" linked. Not nearly as good, even the ones with a bunch of reviews. Judy (phone customer service) was great, smart and to the point. She answered my questions regarding the tag I'll be receiving with Muncie's code number. This benefit is good because if Muncie runs away :( and someone finds him, they can use the code number and text me without giving private, address and phone #. There are many benefits to using the cloud, storing all his information, reminders, folders where I can store any info about him. Plus, there are maps to dog parks in case we travel with him. It is easy to file a claim (hope never) but if I have to the process is so easy. I will get the word out in my community as I am connected to a "neighborhood" website that shares everything.

out of 5

POSTED: | BY: Marla Schwarber

Excellent customer service

Figo has provided excellent service with an easy to submit claims process, timely communication, and quick reimbursement. All representatives that I've communicated with by e-mail and by telephone have been professional, courteous, and seem to genuinely care about the health of our dog. And they've even sent her get well cards! I realize it's part of their routine process, but that attention to detail with a human touch is much appreciated.

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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