Figo | Pet Insurance Review


out of 5

Number of reviews 1,776

  • 60 Days
  • 1 Year
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  • 4.4
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  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: bill

Submitted several claims totaling…

Submitted several claims totaling several hundred dollars, most of which were denied. The code used for the denial was very vague, would like someone to contact me about their billing process.

out of 5


This reimbursement plan has been…

This reimbursement plan has been absolutley stellar the first year of coverage. It's a necessity these days as veterinary services have increased 3fold the last few years. If you're uninsured and complaining about vet bills, you're doing it wrong. I see most of the negative reviews are mostly lack of knowledge of how the plan works. First off, it's a "reimbursement plan" meaning; you pay for services and upload receipts, if they meet the plans criteria, a percentage is reimbursed. You also don't need to stay "in network" but you also have to meet your deductible before the reimbursement payments start. You also have to READ your policy before signing off, because that's half the battle. I inadvertently didn't include wellness my first years policy, and questioned why a certain bill was denied and they just explained wellness wasn't selected and to make sure to select when renewing. Calling/texting them directly is the best way to communicate and they strive for doing just that, clear explanations. If it's seen as "pre-existing", no, they won't cover so it's usually the veterinarian that determined that to be the case, as they will sometimes contact the vet directly when there are questions or treatment notes are needed. It's the best we've had, and they continue to be now for over a year. READ the plans people, before purchasing. The uploads can be filed within the Pet Cloud app VERY easily, and I just snap a pic/scan on phone, open app, and submit. There is nothing easier. If you don't use smart phone, you'll need to scan and upload the bills via computer. Make sure you know what your deductible is as well. You have so many plans to choose from and add-ons to protect your expenses. I'm just scrolling through these negative reviews and most are based on blindly navigating the company, purchasing a policy and have no idea what they bought or are making something so simple---just difficult.

out of 5

POSTED: | BY: customer

I just uploaded 2 claims

I just uploaded 2 claims, so far no questions asked. Waiting for the outcome. Thanks.

out of 5

POSTED: | BY: customer

Fast and easy

Fast and easy

out of 5

POSTED: | BY: Pop's Mom

First year coverage

Our Pup has not required any extraordinary care. I am glad to know that I have an insurance plan if needed.

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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