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


Figo customer service is great and…

Figo customer service is great and claims are settled quickly.

out of 5

POSTED: | BY: Jesus Martinez

They are pretty good

They are pretty good. The reason I took off a star was because I didn't get an email about my renewal and the price went up by atleast 15 dollars.

out of 5

POSTED: | BY: customer

Read the fine print with FIGO

Unfortunately I've learned that with FIGO, their fine print isn't beneficial to the pet owner. In order for them to pay for my Golden Retriever's ear infections for skin issues, they'd have to go 1 year without any vet visits for these issues before they'd consider paying for this expenses. One year is a LONG time with a dog who is prone to these issues and it's just frustrating navigating them constantly telling you that "this isn't covered because....".

out of 5

POSTED: | BY: Jacqueline

Very Quick

Very Quick getting a response back from our claim.

out of 5



Turned in a claim form because our dog had a really tough time defecating. They denied it because somehow it’s related to his penis from a previous claim they denied. Looking at dropping them because at this point, I’m paying for everything out-of-pocket, so what’s the point!

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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