Figo | Pet Insurance Review


out of 5

Number of reviews 2,617

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,617

Updated: May 29, 2024

  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: Christy

Was very easy to submit claim

Was very easy to submit claim. Payment was received in less than 7 days. Quick response via email to questions regarding payment.

out of 5

POSTED: | BY: Christina

Filing a claim was quick and easy

Filing a claim was quick and easy, which is nice when you’re busy! So far, we are happy with Figo insurance.

out of 5

POSTED: | BY: Ronnae

I'm very pleased with Figo

I'm very pleased with Figo, their customer care and prompt service. I would highly recommend them, and have.

out of 5

POSTED: | BY: Stacy V

Figo easy to use; doesn't cover the big expenses

Figo has an easy to use app interface and as a Costco member, their premiums are significantly more affordable than other pet insurance, even through my employer. I, however, almost didn't renew after one of my dogs (who was a stray, found on the streets) ended up needing almost $2K in dental work. Her initial exam included a cursory look at her mouth (which she didn't like and the Vet was barely able to see the side of her mouth). They noted "mild calculus". When she went back to be spayed, I requested a teeth cleaning. It wasn't until she was in surgery and they began her cleaning that they noted two molars were rotting and needed to be extracted. There was NO indicator in her initial exam or behavior that she had rotting back teeth. Figo denied the claim for the dental surgery. I appealed. They denied. I appealed again, with a letter from the vet. They denied it. Why have pet insurance for incidents such as that, where the initial exam on a street-found stray, aren't covered? Honestly, I almost walked away from Figo. I ensured that should Ellie have other teeth issues in the future they would cover it and they said, yes. We shall see. Be careful what your vet notes on an initial exam. A pre-existing condition that was unknown should have been covered, period. My Vet agreed and Figo still denied to cover it.

out of 5

POSTED: | BY: Shelly


I got paid super fast but I only got paid for ½ the vaccine. The other half will be in 3 weeks. I probably won’t get anything because as I understand it I am at my max. So now Lulu has to be sick in order to get any payback. Doesn’t seem fair

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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