Figo | Pet Insurance Review


out of 10

582 Verified Reviews

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  • 8.7
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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 10

POSTED: | BY: Julie Brooks

Parent of Dog

I have both a dog and cat. I have been using Figo since we adopted them and highly recommend your insurance all the time. It is easy to use. Can you make human insurance?

out of 10

POSTED: | BY: Jennifer Bryant

Fast reimbursement and great customer service!

My 10 month old shepherd mix started limping and after 6 weeks of rest she was worse. Orthopedic vet confirmed my fear. Bilateral hip dysplasia. But it gets better. Bilateral elbow dysplasia also. Figo pre certified that both conditions were not pre existing and covered her bilateral elbow surgery. The processed the claim with in two days and paid me with if the week. They also covered her PT and medications with no problem. Great customer service and payment processing, I highly recommend that with any insurance that you take your dog for a physical where they state that the fog is healthy and make mention on no issues with certain to mention every joint is healthy. Many insurances denies joint issues for dogs under 2 years old unless you do this within the first 30 days of coverage.

out of 10

POSTED: | BY: Kerry Johnson-Morud

Figo is absolutely the best!

We lost one of our golden retrievers at 10 years old from lymphoma cancer. After she passed I immediately purchased insurance for our other 10 year old from Figo. Within 10 months time, she ended up having a cancerous tumor in her stomach. With all of the bills from our local vet, the emergency vet and the university surgery department our bills were a whopping $18,000. Figo paid them with in 5 days of submitting them. When I called them to say she passed away they even sent me a hand signed card. I would never have another insurance company, Figo is the best!!

out of 10

POSTED: | BY: Mary Ellen


Staff are always willing to assist . I get rapid responses to prior approvals. Very quick reimbursement of my claims.

out of 10

POSTED: | BY: Sierra

Best dog insurance

Super user friendly, staff answers fast and are very helpful!

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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