Figo | Pet Insurance Review


out of 5

Number of reviews 2,610

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,610

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: Elena Disabato

A complete service

Figo has been nothing short of amazing in assisting with getting to know about and using pet insurance. One month after buying Figo my 4 month old kitten broke her leg. I was able to seamlessly submit my claims, receive assistance and ultimately my payout in a timely fashion. They even sent a get well card! I have a dedicated customer service rep which I have developed a relationship with. Overall it is a great value and user experience, both online and the phone. Yay Figo!

out of 5

POSTED: | BY: Amanda Greer

Wonderful Service!

Figo has been amazing and extremely accommodating for my family. They truly have my pet's health care at heart.

out of 5

POSTED: | BY: Andrew Clancey

Seamless Claim

Had to make one claim and it was seamless. I received the compensation very quickly. UX on website is great!

out of 5

POSTED: | BY: Yvonne Angyal

Great Pet Insurance

I was very confused shopping for pet insurance. I decided to go with Figo, even though they were a newer company on the market with not too many reviews, because their insurance looked pretty straight forward and simple. I also love their website, it is easy to use! I happened to have two incidences with my dog this year. He had to have surgery to have a lump removed and he was kicked by a horse and had to be observed and checked out for possible head injury. In both cases Figo was very fast to issue the refund stated in the policy and they care about your pet. They personally call you to see how your pet is doing and send the cutest get well card to your home. I am very impressed with Figo!

out of 5

POSTED: | BY: Rae Ann Van Pelt


I did not have to use the insurance this year, but I lost one of my pets due to a pre-existing disease. I cancelled her insurance policy once I realized that I would not take advantage of the insurance. They readily responded to my request. After Coco passed I received a sympathy card signed by all the staff members, as well as a token gift that warmed my heart. Thank you Figo.

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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