Figo | Pet Insurance Review


out of 10

582 Verified Reviews

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  • 8.7
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  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 10

POSTED: | BY: Phil Charbonneau

Made me feel like my dog and my family didn’t matter.

Worst experience I have ever had with an insurance company, and that includes auto insurance which is saying something. Paid my premiums for a year, COVID-19 pandemic hit and I get notification that my premiums are increasing by over $6/mo and my benefits are being decreased substantially. Annual benefit decreased by $4k most notably. Went back and forth with customer service who didn’t listen to what I was saying and just regurgitated prepared statements. Then, proceeded to blame their underwriters. When that failed they blamed my state, and told me to reach out to state policy makers because it was their fault. When the rest of the country is looking out for each other and lending a helping hand to their neighbors Figo raised premiums, slashed benefits and blamed everyone but themselves. Please think about that before you give your business to a company charged with helping your family through difficult times.

out of 10

POSTED: | BY: Hayley Jasinski

Chose a new company

Super disappointed with their coverage. I selected the ultimate plan and didn't find out until I filed a claim that it doesn't cover vet visits. I pay $17/month and only got $32.50 toward my deductible on a $150 vet bill. I also can't add appointment coverage until I renew my plan next year. They also don't cover parasites although my cat already had them when I adopted him. Their customer service team won't budge and take a long time to respond, even in live chats.

out of 10

POSTED: | BY: Lesia Hensley

Pet Insurance’s Is Great

Very Pleased❤️

out of 10

POSTED: | BY: Kristin

They make filing a claim easy and they pay quickly.

Figo is the best. Claim process is so easy, done right on your phone with a few easy questions. They also pay very quickly. I have had claims paid in less than 24 hours. I will be adding a second dog to my policy soon.

out of 10


Simple and fast

We filed a claim on Monday and received our reimbursement on Friday of the same week. Our dog was treated by our vet our local emergency hospital. Multiple providers did not seem to slow the process down, and we did not have to be middle-person between vets and Figo. All handled by Figo. Figo paid what we expected according to our plan selection. Very happy! This was our first year on the plan, so not sure how this affects our renewal rate. That is a future concern. Currently, as I said, we are very impressed and happy!

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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