Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank.

Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.

Average customer rating

8.8 Out of 10
60 Days 1 Year Lifetime
Rating 4.8 4.8 8.8
Count 0 5 577
10
Out of 10
Recommended

Peace of mind

Posted: 10/09/2020
By:
Connie
Garcia

Claims can be terribly expensive. This gives us peace of mind if anything should happen.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended

Awesome

Posted: 08/13/2020
By:
Aneta
Dabros

good insurance

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
1
Out of 10

Do not waste your money

Posted: 07/15/2020
By:
Miguel

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 of the injury and FIGO still refused to cover it. Do not waste your money with this insurance.

In addition, after 3 years of having their policy, they decide to change the underwriter. Thus, cause an increase in premium and an increase in deductible. If I chose to go back to my previous deductible, it would be a $45+ in addition to what i was already paying. The only reason I do not cancel this policy is because of my pups already diagnose health conditions that would not be covered elsewhere. Do not buy this insurance. It will cause you multiple headaches.

Injury/illness
Claim Amount
Breed

Cocker Spaniel

Age of Pet
1 - 8
10
Out of 10

Good Figo

Posted: 07/15/2020
By:
Chen
Jeri

Test

Injury/illness
Claim Amount
Breed

Affenpinscher

Age of Pet
1 - 8
Monthly Cost

$9 to $135 on average depending on 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 $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limits

Must be 8 weeks or older to enroll. No upper age limits apply.

Waiting Period

1-day for accidents, 14 days for illnesses, 6 months for hip dysplasia and orthopedic conditions. (Both hip dysplasia and orthopedic condition waiting periods can be waived by having exam/waiver form completed by veterinarian)

Exclusions
  • Curable pre-existing conditions may be eligible for coverage if symptom free for 12 months
  • Conditions arising from a repetitive and specific activity, eg. Ingestion foreign object, ear infection caused by water, snake bites, etc. – excluded after 3 occurrences
  • We now have a wellness option
  • We have a diminishing deductible
  • Copay & deductible waived for emergency life-saving treatment (in the case of an accident, not illness)

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.