Figo | Pet Insurance Review


out of 5

Number of reviews 2,565

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,565

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: lexi

Do your research

I got my puppy in October and did all his paperwork with the insurance to make sure he was covered for all his appointments. We have submitted like 10 claims since October, and we have yet to be told yes or no to anything. They just keep telling us they don't have the paperwork that we have submitted 5 times already. This is ridiculous. I am so angry and annoyed about this whole situation. So far customer service has not been helpful at all.

out of 5

POSTED: | BY: Amanda Mylifeiseternal Bostic

Well I'm at the point that a dog is a…

Well I'm at the point that a dog is a lot of work didn't realize that they have insurance for pets right now so far so good no complaints yet...still early

out of 5

POSTED: | BY: Katelyn

Better than MY health insurance!

Better than MY health insurance!

out of 5

POSTED: | BY: Corri Soberanes

Denied my dogs prescription food for…

Denied my dogs prescription food for this illness which was prescribed along with an antibiotic. They said it wasn’t the sole thing that would treat the illness. Makes no sense, it’s what the dr prescribed for the illness. Not happy

out of 5

POSTED: | BY: customer

Easy to use Pet Insurance

Quick & painless to using FIGO despite dealing with it being mostly AI/ automated. Having the app is useful. When directly dealing with an employee, they have always been polite & try their best. Some issues do need fixing up in the app - but it’s not a big thing (just really bothers my OCD). Been using it for a few years now.

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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