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
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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: customer

No one calls you when there are issues…

No one calls you when there are issues with claim. All my claims keep on getting declined and closed. Never had this experience with a pet insurance

out of 5

POSTED: | BY: Susan Deichsel


Price-wise, as a Costco member, the price is superior. I haven't actually used the benefits yet, but a friend did and she was very pleased by how well making a claim went.

out of 5

POSTED: | BY: Carol

Wow-Quick and Easy!

Wow! My first claim and it was quick as lightning! My dog went in for his annual shots and I sent a photo of the paid bill and within minutes, an email came that I was getting back $50 (of a $75 bill)! Easy peasy!

out of 5

POSTED: | BY: Patti-customer

I have a rescue dog who needed back surgery

I have a rescue dog who needed back surgery about 6 weeks after I got him. I had signed up for Figo insurance the beginning of November 2022. He had surgery the beginning of December 2002. The surgery was close to $10,000. I have never had a problem applying to get payments for anything to do with his surgery. They have always been so easy to work with. I was so glad that I chose Figo.

out of 5

POSTED: | BY: Mary Clementi

The fact the reimbursement was quick

The fact the reimbursement was quick

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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