Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 4.9
  • 8.7
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  • 0
  • 7
  • 582
  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: Jeanine Williams


Website was easy to use and the personal response in my time of need was absolutely appreciated

out of 10

POSTED: | BY: Alicia

Was not pleased

My claim took a month to be processed. I have a dog that I got from a rescue and Figo decided that for this recent claim they needed vet records from before I got the dog. This took weeks. In the meantime while waiting on that vet to send the records, Figo closed/put the claim on hold and I had to keep texting and calling in order to find out the status and push Figo to continue to reach out to the vet for the records. The claim was then denied for the medication that was prescribed due to a pre-existing condition. This was not accurate however because although the medication was previously prescribed, this time it was for a completely different issue! Also, Figo has covered this medication for him before, so I didn't understand why there was a different result this time. I texted Figo once again and asked them why he wasn't covered for the medication due to this issue that he's only had since we started his policy. They said they would reach out and investigate why the claim was denied. They got back to me today and it was determined that the mediation is covered since it was prescribed for a new issue and not a pre-existing condition. If i had not continuously contacted Figo to repeatedly reach out to the vet and then contacted them again regarding my claim denial, my claim would probably still be closed without the correct action being taken.

out of 10

POSTED: | BY: Rick

Please don't make the same mistake STAY AWAY keep researching

I am so ashamed of myself for signing up for this pet insurance. I have been paying on my policy for almost a year. I needed to file a claim for my cat as she was throwing up. I took her to the vet hospital they really did not find anything wrong with her. They did give her some medicine as they felt she may be having a problem with defecating. My cat had this problem around 3 years ago but the vet did not find anything that was causing this. She said she may have eaten something that caused this. Of course, when I submitted my claim to FIGO they denied it as they stated that this was a precondition that was not covered. My total vet bill was $932. I agreed to the additional testing as I thought I was covered under this insurance plan. Big mistake!!!! When I called the lady would not provide me the legal address to provide to my attorney nor would she provide me anyone else to speak with. She stated that she was the only person in the office. I asked to speak with her manager and of course, they were not available. This is a typical insurance response when they do not want to payout. She kept tel me that they do payout for services and recently paid a $20,000 claim. HA HA HA, what was that the one claim for the year and this has been added to your script to defuse customers? Cats get sick and mine does about every 6 months or so but it passes. Their response was as follows: "Cat has a history of intermittent vomiting and constipation over the last 2 years. She has episodes about every 6 months where she will be straining to defecate and will produce either nothing or large dry fecal balls. She always vomits and cries during the days when she is sick. Chronic intermittent vomiting, constipation, anorexia, +/- diarrhea" But this is not covered as they consider this as a precondition prior to taking out my policy. Again, they have no intention of paying anything out and they expect their payment every month on time. Think the only way you could get a claim is that it has to be a newborn with no problems and then maybe they will payout something but like most insurance companies they will find a loophole. Please I beg you not to make the same mistake I did. I am so ashamed and embarrassed I allowed myself to be taken advantage of.

out of 10

POSTED: | BY: Kaysi


I recommend FIGO to everyone I know and several folks have signed up with them. Their coverage and usability makes them the best pet insurance in my eyes. And their customer service is absolutely wonderful the few times I've needed top contact. Im incredibly grateful for FIGO and the support I get for my furrbabies.

out of 10

POSTED: | BY: Katherine

Highly recommend Figo for pet insurance

After 13 years of pet ownership without pet insurance, my cat's cancer diagnoses wiped out my vet bill savings fund and prompted me to get insurance for my dog, Roxie. Oh, what a blessing it has been, and Figo's customer service has been stellar. Claims are incredibly easy and normally paid within 3 days. They are a bit pricier than other companies I researched, but the customer service I've received more than makes up for it. I have recommended Figo to many friends and family members, and I will continue to do so.

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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