Figo | Pet Insurance Review


out of 5

Number of reviews 584

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 3.0
  • 4.4
  • Count
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  • 2
  • 584

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: Gerald Whitman

It is easy to reach a live person and…

It is easy to reach a live person and they have always been very knowledgeable to clearly answer any questions.

out of 5

POSTED: | BY: Joseph

By far the BEST pet care coverage!!

By far the BEST pet care coverage!!! I recommend you to all my friends and clients!!! Your level of professionalism and customer care are amazing and exceed my expectation so Thank You!

out of 5

POSTED: | BY: Rebecca Orlando

Everything that I submitted was…

Everything that I submitted was rejected. I lost faith in it and what this company stands for. It's too bad because I would have stayed with them for the life of my pet. Unfortunately, I am taking my business elsewhere.

out of 5

POSTED: | BY: customer


Your service is great. Thanks

out of 5

POSTED: | BY: Mike M.

Horrible Insurance - Stay Away

Figo does not honor their insurance - and goes out of their way to say no. I took dog to the ER vet for a severely torn toenail. They had to sedate my dog to remove it. Figo denied the claim saying that the ER diagnostic fee is not covered and that the toenail procedure cost was in excess. This is my first claim, and the total bill was around $440. Less my $250 deductible and 80% average, Figo should have paid out about $150. Why have insurance if I can’t use it? This policy was purchased through Costco.

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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