Figo Review

Comprehensive pet insurance policies. Up to 100% reimbursement of vet bills. Access to the AI-based Figo Pet Cloud. Fast and easy claims process.


Figo Pet Insurance is based in Chicago and got its start in 2012, thanks to the team’s combined passions for healthy pets and the latest technology. Figo is underwritten by the top-rated Markel American Insurance Company, which means you can rest easy in knowing your claims will be covered, even though Figo is a relatively new name in the pet insurance industry.

With an aim to take the confusion out of pet insurance, Figo provides policyholders with an AI-based Pet Cloud platform to keep track of all of their pet’s medical care, along with important policy information. Figo Pet Insurance offers the modern pet parent comprehensive pet health insurance coverage and the confidence that comes with knowing their dog or cat will stay happy and healthy for as long as possible.

Coverage Details

Our Figo Pet Insurance review is going to show you some of their best coverage benefits. We’ve gathered up all the info on what’s covered by Figo for you, so you don’t have to waste your own time when trying to choose the best pet insurance company.

Illnesses & Injuries: If your dog or cat is injured or becomes sick, Figo will reimburse you for the bill, and if you choose to add the option it to your policy, they will also cover vet exam fees.

Emergency & Speciality Care: Animal emergencies can quickly become very expensive, both at the ER and from any referrals for specialty veterinary care, which is why it’s so awesome that Figo Pet Insurance will reimburse you up to 100% for emergency and specialty pet care.

Hereditary & Congenital Conditions: If your pet was born with a hereditary disease or congenital medical disorder, Figo won’t leave you holding the bag, thanks to covering all of the most common types of these conditions.

Diagnostic Testing: When your pet’s vet needs to take x-rays or do bloodwork to diagnose and treat them, Figo Pet Insurance will reimburse you for pricey but life-saving diagnostics.

Hospitalization & Surgeries: If your dog or cat needs to have surgery, Figo will reimburse you for the procedure, as well as any related hospitalization costs.

Cancer & Chronic Conditions: Finding out your pet has been diagnosed with cancer or another long-term illness can be heartbreaking. Figo has your back by providing coverage for diagnosing and treating chronic conditions.

Prosthetics & Orthopedics: If your pet ever needs orthopedic surgery or the help of a prosthetic device to live a better life, Figo Pet Insurance will reimburse you for the costs.

Prescription Medications: Any medication that’s prescribed by a licensed veterinarian and that’s needed to treat any covered condition will be reimbursed up to 100% by Figo.

Holistic & Alternative Therapies: Unlike many other pet insurance providers, Figo will reimburse you for alternative therapies like acupuncture or chiropractic treatment, as long as it’s performed by a licensed veterinarian.

Like all pet insurance companies, Figo does have some coverage exclusions you should know about. What’s not covered by Figo Pet Insurance includes pre-existing conditions, routine vet treatments, pregnancy care, cosmetic treatments, or experimental procedures.

Plan Rates & Sample Quotes

We were pretty impressed by the value offered by Figo Pet Insurance, as well as the full range of coverage options provided. You can choose to add reimbursement of vet exam fees for accidents or illnesses to your policy for an additional fee or keep things bare bones if you want a smaller monthly price.

Figo monthly premiums start around $20 per month for both cats and dogs, and they offer a highly customizable experience in terms of reimbursement rates, annual deductibles, and total yearly coverage limits to help you fit pet insurance into your budget.

Figo makes getting a free online pet insurance quote quick and easy. But in case you want to get a good overview of what you can expect to pay each month for your Figo Pet Insurance premium, we’ve gathered up some sample policy quotes for you.

Domestic Shorthair Cat: 1 year old, Male, Florida (32818) covered for $10.17 per month.

Golden Retriever: 3 years old, Female, Illinois (60007) covered for $25.54 per month.

French Bulldog: 6 years old, Male, California (94102) covered for $57.90 per month.

German Shepherd: 2 years old, Female, New York (10003) covered for $32.29 per month.

Please Note: All sample policy quotes come with an 80% reimbursement rate, a $250 annual deductible, and unlimited yearly coverage.

Reimbursements & Deductibles

Figo offers some great flexibility when it comes to choosing the right reimbursement percentage rate for your needs. You can customize your pet insurance policy with reimbursement percentages starting at 70% and they’re the only provider to offer up to 100% reimbursement.

To file a claim, you simply log in to the Figo Pet Cloud, answer some quick questions, and upload a copy of the vet bill. You can also submit a claim by phone, email, or fax, and Figo will get your reimbursement check out to you within 7 business days.

Reimbursement Structure: Actual Cost

Minimum Reimbursement: 70%

Maximum Reimbursement: 100%

Figo Pet Insurance also allows you to customize your policy by choosing your own annual deductible, which is another great way to keep your monthly premium down. You pick the right deductible level for you when you sign up, based upon your budget and pet’s medical needs.

Deductible Type: Annual

Minimum Deductible: $50

Maximum Deductible: $500

With such in-depth coverage and flexible policy options, we were really impressed by how dedicated Figo Pet Insurance is to making sure you can protect your pet without breaking the bank. And they’re available by phone, email, or live chat to answer any of your questions.

Enrollment & Waiting Periods

Maybe you’re asking yourself, “Should I enroll my pet in Figo Pet Insurance?” If so, some of what you need to consider when shopping for your pet’s policy is their age and any waiting periods put in place by the provider.

Figo begins enrolling puppies and kittens at 8-weeks-old and has no age limit for coverage, which means you can easily get health insurance for older pets. They also offer short waiting periods, so you don’t have to worry about getting your pet treated, right off the bat.

While some pet insurance providers make you wait up to a year for dog hip dysplasia coverage, Figo Pet Insurance will cover treatment of this debilitating joint disorder within 2 weeks of you signing your pet up, as long as it wasn’t a pre-existing condition.

Accidents Waiting Period: 5 days

Illnesses Waiting Period: 14 days

Hip Dysplasia Waiting Period: 14 days

Cruciate Ligament Waiting Period: 6 months

Figo Pet Insurance is a great choice for both young and old pets, thanks to short waiting periods and no limitations on the age of enrollment for dogs or cats. If you’re worried about emergency care for your four-legged family member, Figo just might be the best pet insurance for you.

Claims & Customer Support

Figo is the only pet insurance provider we’ve encountered that allows you to get support via text messaging. You can also quickly get all of your pet insurance questions answered and claims filed by phone, email, or fax during regular CST business hours.

Plus, with the addition of the Figo Pet Cloud, you’ll be able to get 24/7 access to advice from a licensed veterinarian, keep track of all your pet’s medical records, and even connect with other pet parents for trips to the dog park. And it’s all available online or with an iOS or Google app.

With 24-hour access to vet advice and your pet’s health policy info and important papers, Figo Pet Insurance is one of the most user-friendly options on the market. You’ll have everything you need to keep your pet happy and healthy right at your fingertips.

Pet Owner Opinions

As a part of our review of Figo Pet Insurance, we wanted to see what actual pet owners had to say. We turned to Yelp, Trustpilot, and the BBB to get some real info from Figo pet insurance customer reviews. Here’s what they had to say…

We prioritized getting health insurance for our new puppy, and after lots of comparing, we decided to go with Figo. The policy selection and signup process were easy, and we got a welcome packet right away. Then, literally on the very first day, he qualified for accident coverage (which was seven days into the policy), our puppy launched into a run, attempted to jump off a retaining wall, and fractured his hind leg. It was so sad, and we felt awful for not being able to stop him in time. Turns out, I had nothing to worry about. The claims and reimbursement process for his initial injury and follow-up care has been nothing but seamless. Claims take about 3 minutes to complete, so I usually just handle them right away in the app before leaving the vet’s parking lot. If you set up ACH transfer for your reimbursement, claims are paid within days. They do set the expectation that it may take longer during busier times, but still, this is nothing like the process I’ve experienced with other health insurance companies. If only customer service were this good for human medical insurance! Jill C, Yelp 11/12/18

I have had Figo for a little over a year – and have had to submit claims on several occasions for my two cats. Early on, Figo was undergoing some reorganization and claims were a bit slow. There was also a mixup about a preexisting condition for one of my cats. However, Figo was very understanding and gave me the benefit of the doubt. In the past two months, I had a couple of fairly large claims. To my pleasant surprise, Figo processed and paid in less than 4 days! Very impressive! Carol B, Trustpilot 12/7/18

Figo saved my pets life and my family a ton of money!!! I saw a few negative responses about claim times so I wanted to chime in. Not sure if the others received the same letter I did, but they have been great at communicating their growing pains and it seems to me like they are on it. Personally, my experience has but nothing but fabulous. They paid my claim and whenever I text them they are super responsive. All in all, they are hands down the best pet insurance company out there. Phillip W, BBB 12/7/17

The Good

As with all of our editor reviews, we put Figo through its paces, so you don’t have to waste your time or money while looking for the best insurance coverage for your pet. The following are some of our favorite Figo Pet Insurance benefits…

Tons of Available Discounts

Figo understands that pet insurance might seem like a luxury to some pet parents, and they want to put an end to that with low monthly premiums and a wide variety of available policy discounts. You can get even lower rates with Figo Pet Insurance if you work in the veterinary or pet adoption field, are a vet student, served in the military, have a working or service dog, or adopted your pet from a shelter or animal rescue group.

Figo Pet Cloud Platform

Today, pet parents are more active and social than ever, and many of them are involving their four-legged family members in their everyday lives. If you’re the kind of pet owner that wants to get out and about with your pet, hook up with other pet parents in your local area, or keep track of your pet’s info 24/7, you’ll love the Figo Pet Cloud feature, which gives you access to all of that and more, thanks to AI-based technology.

30-Day Free Look

Most pet insurance companies want to lock you into a policy from the start, but Figo wants you to be happy with your coverage. They offer a 30-day money-back guarantee on all new policies, so if you decide pet insurance isn’t the right fit for you in the first month, they’ll refund your purchase price to you in full, as long as you haven’t filed a claim during that time.

Above and Beyond Benefits

Figo Pet Insurance doesn’t just offer you in-depth healthcare coverage for your four-legged family members. They also go above and beyond with their Ultimate Plan by reimbursing you for emergency vet boarding fees, paying for advertising lost pets, and even covering your losses if you have to cancel your vacation due to your pet needing life-saving medical care.

The Bad

Even though Figo Pet Insurance is still considered to be the “new kid on the block,” they really wowed us with their caring customer support, quick claims process, and all the benefits that come with their unique online Pet Cloud platform.

We were also a little disappointed to find that Figo doesn’t offer 24-hour customer support, but we loved the fact that we could reach a licensed vet any time of day or night via the Pet Cloud, and all of our inquiries were answered by the Figo support team within a very reasonable amount of time.

The Bottom Line

Although we wish Figo had 24/7 customer support, we were blown away by the coverage they offer, the fact that there aren’t any age limits on enrollment, and that they provide so many ways to get a discount on their pet insurance policies.

If you’re looking for a pet insurance company that’s keeping up with the times by embracing the latest technology, all so you can keep your pet happier and healthier, Figo is the way to go. We were also super-impressed by the customizable policy options and reasonable premium rates.

Looking for modern pet insurance? Try Figo risk-free for 30 days and protect your pet today!

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