Figo | Pet Insurance Review


out of 10

582 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 4.9
  • 8.7
  • Count
  • 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: Scott

Best decision made for my pet

Choosing Figo for my pets insurance was the best decision I could have made. The rates are reasonable and the claims process was extremely easy and payment was quick.

out of 10

POSTED: | BY: Susan Bronen-Cohen

Pays claim immediately.

Put in a claim for knee surgery for my dog. The claim was approved the next day. I wish my personal insurance was that good.

out of 10

POSTED: | BY: Kari

Claim process is so easy

So far the last year my Lil Lilli has been through so much and because she is so tiny its hard to do some tests on her. She has been to so many appointments and several vets and specialty centers its heart breaking but shes a trooper and Figo has been there for us the whole way. We LOVE Figo and their process for reimbursement and their App is awesome!!

out of 10

POSTED: | BY: Steve O

Great insurer; I wouldn't use any other company

Unfortunately, we've had a lot of medical bills for our dog. We've had Figo since we got hm as a puppy, and they have always paid out with no hassles and really quickly on claims that are covered by our policy . The few times I've called them for info, they've been really helpful. I highly recommend them to any pet owner.

out of 10

POSTED: | BY: Karel shultz

Friendly,knowledgeable staff make claims and questions go dmoothly

Excellent company to work with

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.

Get a quote today

Leave a review