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: 03/06/2019
By:
Victor Jimenez

I have been a policy holder with Figo Pet Insurance for years and throughout those years, the unexpected has occurred on several occasions and I am happy to say that EVERY time; Figo has been there, by our side to help get us through what is often a very...

Injury/illness

Bladder

Renal (kidney)

Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
1
Out of 10
Posted: 03/03/2019
By:
Thelonius

I am (was) a big fan of insurance and over the past 17 years I have used Embrace, Pet Plan and more recently Figo. I was very happy with Pet Plan until they changed underwriters and the terms of their policies changed dramatically. For insurance to work...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 02/20/2019
By:
Michelle

This company probably won't last-- they were offering insurance plans that were too good to be true and must have finally realized because without warning they doubled my premium ($42 to $86) for the same plan. I only went with Figo because they had great...

Injury/illness
Claim Amount
Over $1000
Breed

Chow Chow

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/19/2019
By:
Monika Von der Nahmer

It was very easy to file a claim and follow it. Quick response time. Quick resolutions.

Injury/illness

Gastritis/vomiting

Enteritis/diarrhea

Claim Amount
$500 - $1000
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 $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.