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 6.4 9.4 8.8
Count 5 282 571

Figo Pet Insurance

10
Out of 10
Recommended
Posted: 05/14/2020
By:
Kerry Johnson-Morud

Our 11 year old, Golden Retriever, Libby, started throwing up black one day so I took her to the vet the next morning and found out she had tumors on her spleen and a tumor in her stomach near her esophagus. We brought her to an emergency vet on the...

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
Over 8 years
1
Out of 10
Posted: 05/02/2020
By:
V Mnz

When I first signed up with this company, I gave them stellar reviews; however, things have gone downhill. This company lured me in with very low rates for pet insurance for all 3 of my dogs. After 2 years there was a significant increase in premium that...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 04/28/2020
By:
Phil Charbonneau

Worst experience I have ever had with an insurance company, and that includes auto insurance which is saying something. Paid my premiums for a year, COVID-19 pandemic hit and I get notification that my premiums are increasing by over $6/mo and my benefits...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
2
Out of 10
Posted: 04/23/2020
By:
Hayley Jasinski

Super disappointed with their coverage. I selected the ultimate plan and didn't find out until I filed a claim that it doesn't cover vet visits. I pay $17/month and only got $32.50 toward my deductible on a $150 vet bill. I also can't add appointment...

Injury/illness
Claim Amount
Breed

Domestic Shorthair

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 $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

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.

Exclusions
  • 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.