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

8.4 Out of 10
60 Days 1 Year Lifetime
Rating 9.5 8.9 8.4
Count 62 168 332

Figo Pet Insurance

10
Out of 10
Recommended
Posted: 04/13/2018
By:
Michael Tranni

Our cat had a 3,000 dollar surgery and we filed the claim and figo got back to us and approved the claim on the same day! Reimbursed us 100% and when we called their customer service line they were friendly and very helpful. We drained our savings for...

Injury/illness
Salivary surgery
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Under a year
8
Out of 10
Posted: 04/04/2018
By:
Larry D.

So earlier today I left a not so good review of Figo based on the problems I'd been having accessing their claims portal off of the Figo site. WHEN I was finally able to access it, and uploaded my claim doc, my claim was processed and approved in...

Injury/illness

Bladder

Claim Amount
$500 - $1000
Breed

Golden Retriever

Age of Pet
2
Out of 10
Posted: 04/04/2018
By:
Larry D.

Poor customer service. Non-responsive website link for submission of claims. And THREE WEEKS to get a claim approved/paid once you finally get your claim submitted!

Injury/illness

Bladder

Claim Amount
$500 - $1000
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/28/2018
By:
Denise Kirshenbaum

Our dog got hit by a car and had to have surgery to repair her broken front leg. Also had an infection and some additional sugary to remove plate and screws at a later date. Completely covered. Very easy filing process and the return happened in a very...

Injury/illness
Hi by car. Broken leg. Complications
Claim Amount
Over $1000
Breed

Border Collie

Age of Pet
Under a year
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.