Our Pet Cloud also now offers the following features:

  • Ability to video chat with a licensed vet 24/7
  • AI claims experience with the help of Evie, our AI chat assistant. Evie will ask questions about the claim and the policy holder will simply answer the questions, upload a picture of the bill and the claim will be submitted.
  • Real-time claims tracker
  • Push notification reminders (for appointments, pet medication, birthdays, etc.)
  • Cloud-based storage for all pet medical records
  • Ability to locate pet-friendly places (restaurants, hotels, etc.) and connect with other pet parents in your area

Average customer rating

8.8 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 9.3 8.8
Count 1 218 575

Figo Pet Insurance

Out of 10
Posted: 08/13/2020
Aneta Dabros

good insurance

Claim Amount

Mixed Breed

Age of Pet
Under a year
Out of 10
Posted: 07/15/2020

My pup, Jojo, had a knee injury that was diagnosed by multiple veterinarians. Even though i had multiple vets tell me this, FIGO still chose to claim that it was a previous existing condition. I even had the vets write letters in regards to the findings...

Claim Amount

Cocker Spaniel

Age of Pet
1 - 8
Out of 10
Posted: 07/14/2020

Figo is not a good pet insurance company and I wouldn't be comfortable recommending it to my friends and family. When I was first shopping for pet insurance I ran across a ton of negative reviews accusing Figo of doing a bait and switch, where the first...

Claim Amount

Mixed Breed

Age of Pet
Over 8 years
Monthly Cost

$9 - $135, depending on your 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

Pet must be at least 8 weeks old to enroll.

No upper age limits apply.

Waiting Period

3-day waiting period for accidents, 14-day for illnesses (including hip dysplasia), 6-month for knees. Option to waive no longer offered.

  • Curable pre-existing conditions may be eligible for coverage if symptom free for 18 months
  • For holistic therapy: Acupuncture & Chiropractic care are included
  • Lost pet benefit no longer offered
  • Pet mortality is limited to cremation only

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.