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 7.4 7.3 7.8
Count 20 78 210

Figo Pet Insurance

10
Out of 10
Recommended
Posted: 03/18/2019
By:
Kelly

I had to take the time to share my experience with FIGO because it has been beyond my expectations. When we got our puppy, i did a lot of research and chose FIGO. I have to be honest, I truly did not expect much when I got this policy.. I have heard...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 03/14/2019
By:
Jen

After calling ahead to make sure the test recommended by a veterinarian was one covered, Figo denied the claim. This would have been only for $98 because deductible is $200 and test is $298. This is with over a year and a half of paying the higher premium...

Injury/illness
Claim Amount
Breed

German Shepherd

Age of Pet
1 - 8
1
Out of 10
Posted: 03/13/2019
By:
Austin Hua

I strongly recommend against this pet insurance, they have denied every single one of my 4 claims so far, $0 YTD. As a new client, this is very disheartening and only speaks to the way insurance is built, they are meant to make money off of premiums and...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
1
Out of 10
Posted: 03/07/2019
By:
Tj

They do not quality anything for a claim. They are quick to deny a claim and are horrible at being an insurance company. We pay extra for the `100% reimbursement and they deny everything. Apparently if your dog ever sneeze and then needed a test done...

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.