Figo | Pet Insurance Review


out of 5

Number of reviews 1,776

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 0
  • 4.4
  • Count
  • 0
  • 0
  • 1,776
  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: Joline and Robert WISSING

We find Figo to be wonderful

We find Figo to be wonderful. They are fast and easy in their claims process and extremely fair.

out of 5

POSTED: | BY: Glenn

Huge monthly rate increase!

Huge monthly rate increase, went up by 28% after one year. We all get insurance for the purpose that there is an emergency. What is unexpected is a 28% rate increase. Not even car insurance raises that high in such a short period of time!

out of 5

POSTED: | BY: Paul

Customer service was easy to get a hold…

Customer service was easy to get a hold of and fixed my issue immediately. The claims process is easy and efficient. Thank you FIGO.

out of 5

POSTED: | BY: victor lam

Have a emergency claim denied and asked…

Have a emergency claim denied and asked me who is my insurer. The insurance company was recommended by me by one of my customer in my work place. I can't think of recommending the insurance to anyone anymore.

out of 5

POSTED: | BY: Allene Christenson

Best Pet insurance I ever had !! Prompt payments and easy to claim. Premiums are decent too !

Would highly recommend. Excellent service with claims. Very fast.

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