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

7.8 Out of 10
60 Days 1 Year Lifetime
Rating 6.0 7.0 7.8
Count 4 87 185

Figo Pet Insurance

10
Out of 10
Recommended
Posted: 01/10/2019
By:
Kayla

They were so prompt and amazing at getting back to us! It was completely hassle free. They covered our dogs surgery in full, and were so helpful with any questions we had!!!

Injury/illness
Surgery
Claim Amount
Over $1000
Breed

Golden Retriever

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 01/10/2019
By:
Max Studley

Always efficient with fulfilling our claims. They cover a lot for our plan and we can always count on them for providing us with great insurance. Thanks!

Injury/illness
Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
1 - 8
3
Out of 10
Posted: 12/07/2018
By:
Andy

I was excited when I signed up, stupidly thinking that the premiums would be somewhat fixed, but the 2018-2019 increases were double what I was paying and triple what I signed up for. I don’t want to use the term “bait and switch” because it’s not...

Injury/illness

Skin problem

Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 12/05/2018
By:
Amy

This is the worst insurance I dont know why I went with them they r a scam...my puppy needed emergency larrygenal surgery and they r doing everything they can to not pay me for it which is what there suppose to do total waste of money

Injury/illness
Larrygenal
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Under a year
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.