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. 

Average customer rating

7.9 Out of 10
60 Days 1 Year Lifetime
Rating 9.2 7.8 7.9
Count 20 86 231

Figo Pet Insurance

1
Out of 10
Posted: 05/22/2019
By:
Rich Katin

Do not buy this insurance. It's a total Bait ad switch. They have attractive rates when you start, but last year my premium went up 25%, and they said it was a adjustment to level their prices with other companies. I just got my annual increase, and...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
6
Out of 10
Posted: 05/21/2019
By:
Gabrielle

We tried to be financially responsible by having pet insurance but when they secretly raised their rates considerably, it wasn’t worth the money. We’ll just save on our own in case something happens to our dogs. They emailed to let us know rates were...

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 05/21/2019
By:
Kim Bennett

My 3 yr old dog Laila needed knee surgery (yes dogs have knees) and the claim couldn't have gone better. I had the surgery pre-authorized, so the claim was paid in about a week. The follow-up appt claim was submitted on a Saturday and paid THAT DAY. The...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
Monthly Cost

$9 - $135, depending on your chosen plan.

Coverage

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 $10,000, $14,000 or unlimited depending on your chosen plan.

Deductible

$50, $100, $200 or $500 annually.

Age Limits

Pet must be at least 8 weeks old to enroll. 

Pet must be at least 8 weeks old to enroll.   

No upper age limits apply.

Waiting Period

Coverage begins 5 days after policy for accidents. For illness claims, a policy waiting period of 14 days applies, while a waiting period of 6 months applies for conditions involving cruciates and patellas. 6-month waiting period for knees can be waived with a healthy knee exam within first 30 days of policy effective date.

Exclusions

Pre-existing conditions are not covered.  

Curable pre-existing conditions are covered if symptom free for 12 months.

Hereditary chronic and congenital conditions, holistic therapy, behavioral therapy, lost pet, pet mortality and hip dysplasia are all covered. 

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.