Figo | Pet Insurance Review


out of 5

Number of reviews 1,785

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 4.4
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  • 1,785
  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: Crystal

It seems as though I only get shots…

It seems as though I only get shots covered for wellness and barely anything else is covered. My dog acquired allergies and need shots now and they are not covered and neither was the visit to find out that she had allergies. Very disappointing there was actually two dates, not just one and nothing was covered and she had dental surgery and nothing was covered

out of 5

POSTED: | BY: Erin P.

Easy to use and quick reimbursement

So far we have had Figo for our dog for one year. We made several claims during the year and one was a pretty large claim. We were reimbursed according to our policy and received the money back in a few days. The claim process is super easy to do on your phone through the app and I like that in an emergency you don’t need to get approval from the insurance.

out of 5

POSTED: | BY: Emiliano Urbina

Read the small print

Read the small print! Typical insurance company trying to minimize their payouts. Up front they make it seem like they cover a lot more than they actually do. When you submit a claim, they will fight you for every dime before paying it out, or deny the claim altogether and send you through their lengthy appeal process (takes over a month).

out of 5

POSTED: | BY: Marne

Good app

The app is very easy to work with and makes submitting for coverage/reimbursement very easy. The coverage itself is a little disappointing ($75 of a $700+ spay surgery) but not sure what is better. We’ll take a look before getting dog #2. Overall, we’ve been happy.

out of 5

POSTED: | BY: Peter Bonilla



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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