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

8.7 Out of 10
60 Days 1 Year Lifetime
Rating 9.8 9.4 8.7
Count 63 246 429

Figo Pet Insurance

1
Out of 10
Posted: 02/13/2018
By:
Lyn Dee

I filed the claim with them in November 2017 and I kept trying to follow-up, they said hold tight they are transferring. Eventually they called me on February 2018 to let me know that they are closing my claim due to lack of progress! I asked their...

Injury/illness

Skin problem

Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
1 - 8
3
Out of 10
Posted: 02/13/2018
By:
Keanah Smith

I got pet insurance for both my dogs after one was diagnosed with bone cancer. I did not expect Figo to cover the cancer costs as it was a part of a pre-existing condition.
This same dog happened to fall and pull a muscle in a different leg unrelated to...

Injury/illness
muscle pull and euthanasia
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
1 - 8
7
Out of 10
Recommended
Posted: 02/08/2018
By:
Susanne

I thought I'd give a short review of Figo after filing my first claim, since most of the reviewers have only reviewed based on speaking with the agents. I am overall very satisfied with the reasonable price for the benefits, the online portal, ease of...

Injury/illness

Ear Problem

Skin problem

Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
Over 8 years
8
Out of 10
Recommended
Posted: 01/31/2018
By:
Jennifer

My dog ate something and had to go the er vet. She was having head tremors and unable to sit up. She was at the vet for 2 nights a total of 2200$. Figo approved the claim but the process to get the check took some time. The first check was lost in mail so...

Injury/illness
Head tremors
Claim Amount
Over $1000
Breed

Boxer

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.