Figo
4.2

out of 5

Figo Pet Insurance for Dog & Cat

Figo Pet Insurance was founded in 2013 and offers accident and illness coverage for dogs and cats in the United States. Figo is known for its high reimbursement rates, offering up to 100% of your vet bills covered. They also have a variety of policy options to fit different budgets, and they offer discounts for multiple pets and for pets that are spayed or neutered.
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Figo Pet Insurance Details

    • More: Figo Pet Insurance Reviews

      Why Our Users Picked It:

      Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

      Pros & Cons:

      • Only 1-day waiting period for accident coverage
      • Wellness coverage available
      • Simple claims process
      • Up to 100% reimbursement available
      • Extra costs for vet exams
      • 6-month waiting period for orthopedic problems (in some cases can be waived if your vet signs a waiver)
      • Does not offer an accident-only plan

      Plan Limits

      • Per Condition Limit None
      • Lifetime Limit None
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Unlimited
      • Hospitalization Unlimited
      • Rehabilitation Unlimited
      • Continual Care Unlimited
      • Emergency Visits Unlimited
      • Surgery Unlimited
      • Dental Trauma Unlimited
      • Foreign Object Ingestion UnlimitedUnlimited - Only if the pet did not require decontamination 2 or more times within the 18 months prior to the policy effective date or within the waiting periods
      • Congenital or Hereditary Conditions Unlimited
      • Cancer Treatments Unlimited
      • Dietary Supplements Unlimited - Limited to prescription foods that are used to treat existing bladder stones or crystals.
      • End of Life: Burial and Cremation Unlimited - If the pet passes during the policy period as a result of illness or injury and meets the coverage requirements.
      • Illness Unlimited
      • Specialists Unlimited - *In addition, the examination fee for a specialist can be covered depending on whether the optional exam fee coverage was added.
      • Prosthetics Unlimited
      • End of Life: Euthanasia Unlimited - If deemed medically necessary by licensed vet and it is the result of a covered accident or illness.
      • Prescription Drugs Unlimited
      • Outpatient Care Unlimited
      • Bilateral Conditions Unlimited
      • Travel Coverage $1,000 - If deemed a life threatening condition and vacation was preplanned.
      • Vet Exam Fees If plan is selected with that option
      • Medical Imaging Unlimited
      • Organ Transplants Unlimited - Requires preapproval
      • Wellness Cover Unlimited
      • Lab Tests Unlimited
      • Behavioral Treatments $1,000

      Plan Summary

      Figo Pet Insurance is committed to making lives easier for pets and their people. Their cloud-based technology enables pet parents to manage the lives of their pets on-the-go through their Pet Cloud. The Pet Cloud app significantly enhances the way Figo engages with pet parents by providing an A.I. claims experience, live veterinary chat, alerts, records management and more to seamlessly manage their policy and make pet parenting a breeze.

    Most popular dog breeds insured by Figo Pet Insurance

    Here are the top 9 dog breeds covered by Figo insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $100.61
    Labrador Retriever (Chocolate) $72.37
    Shih Tzu $64.63
    Yorkshire Terrier $60.59
    Labrador Retriever (Yellow) $82.40
    Australian Cattle Dog $61.94
    Japanese Chin $60.90
    Golden Retriever $129.81
    German Shepherd $97.84
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Figo Pet Insurance

    Here are the top 7 cat breeds covered by Figo insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $68.19
    Maine Coon $63.51
    American Shorthair $104.97
    Tabby $120.90
    Calico $48.35
    Bengal $99.27
    Feral $36.77
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers 2025

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      Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
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    • Healthy Paws Pet Insurance
      Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
    • Fetch Pet Insurance
      Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
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      Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
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      Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.
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      Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
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      Users appreciate that the ASPCA Pet Health Insurance program offers up to 90% reimbursement of covered conditions for services relating to emergency visits, chronic conditions, alternative therapies and even things you may not think about like prescription medications. For an additional price per month, one of two optional Preventive Care plans can be selected to reimburse on things that help keep your pet healthy. Many users have also highlighted the positive experience of working with the helpful and responsive customer services representatives.
    • AKC Pet Insurance
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      Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • MetLife Pet Insurance
      Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.

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    Figo Pet Insurance FAQ?

    • Does Figo offer a wellness plan?

      Yes, Figo offers a wellness package that provides coverage for things like dental care, vaccinations and spay and neuter. This can be added on to your Accident & Illness plan.

    • Does Figo have age restrictions?

      Your fur baby must be at least 8 weeks old to be enrolled but there are no upper age limits for eligibility.

    • What kind of waiting period is there before I can use my policy?

      Figo has a 1-day waiting period for accidents, a 14-day waiting period for illnesses and 6 months for orthopedic conditions such as hip dysplasia.

    • Does Figo pet insurance offer any discounts?

      Yes, Figo offers a multi-pet discount where you can take 5% off of the cost of enrolling each additional pet.

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