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. 

Learn more about FIGO's plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider. 

Average customer rating

8.2 Out of 10
60 Days 1 Year Lifetime
Rating 9.3 8.7 8.2
Count 69 141 297

Figo Pet Insurance

10
Out of 10
Recommended
Posted: 07/15/2019
By:
Melissa

I pay A LOT for my premium but I signed my dog up as a relatively healthy 10.5 year old and this was one of the only companies that still offered 90% reimbursement for a dog his age. I have filed 2 claims and the first one took a while but they covered...

Injury/illness
Claim Amount
Breed

Pembroke Welsh Corgi

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 07/14/2019
By:
Alicia Epstein

I heard horror stories of people having pet insurance and it “ Being useless”. Not so with Figo. ! Prompt , accurate and completely fair reimbursement.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 07/12/2019
By:
Erin

FIGO has yet to cover a single claim for our dog as they claim everything to be “routine”. Our dog got very sick and needed a $300 test- this was deemed “routine”. He required a cardiology exam - this was required “routine”. I would love to see a list of...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 07/11/2019
By:
James C Madison

Figo has been a lifesaver for my rescue dog. Have been overwhelmed with their level of service. Claims filing is remarkably easy and payment is made within a few days. I am grateful to them. Trust me, they provide a much higher level of service than...

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.