Figo Pet Insurance Review

Rating: 6.8 / 10 (Very good)
Disclosure: We receive advertising revenue from this partner. Learn more.
How is Figo rated?
Benefit Limits
Reimbursement Models
Claims and Service

Headquartered in Chicago, Figo is a pet insurance provider that leverages the latest in technology to help families get the best insurance for their pets. Its cloud-based pet healthcare platform enables customers organize appointments, set reminders, access past bills, and make claims among other things. Figo offers customizable pet insurance plans with varying coverage and unlimited medical benefits. More than a source of pet insurance, Figo also includes tools that helps pet parents manage their pet’s health and lifestyle.

What’s Included with Figo?

  • Health insurance plans that cover unexpected injuries and illnesses for dogs or cats
  • Figo reimburses up to 100% of their client’s actual veterinary bill with unlimited coverage and no claim pay-out limits
  • Customizable pet insurance plans for both annual deductible and reimbursement percentage
  • 5-day waiting period for accidents
  • Pet Cloud that provides customers with tools they needed to manage their pet’s life
  • Choose from different deductible options ($50, $100, $200, and $500)
  • 30-day money back guarantee
  • Completely paperless documents and pet files
  • Online pet profiles with unique Tag I.D. for each pet
  • Pet GPS using Gibi technologies that tracks a pet’s movement in real time and gives alerts whenever a pet is outside the safe zone

What Does Figo Cover?

  • Hereditary and congenital conditions (must not be a pre-existing condition)
  • Covers all forms of surgery related to a covered injury or illness
  • Veterinary examination fee
  • Hospital care and emergency
  • Specialty care without referrals required and coverage limit for the specialists
  • Chronic conditions
  • Prescription medications that are given by a licensed veterinarian
  • Cancer treatments
  • Hip Dysplasia
  • Rehabilitation treatments performed by a licensed veterinarian
  • X-rays, Cat Scans, MRIs, Ultrasounds, and Blood Work
  • Ligament and knee conditions such as Anterior Cruciate Ligament conditions (6 month waiting period for this type of coverage)
  • Physical therapy related to a covered injured or illness and is administered by a licensed veterinarian
  • Behavioral therapy (Essential Plan = $250 annually, Preferred Plan = $500 annually, Ultimate Plan = $1,000 annually)
  • Stem cell therapy
  • Non-routine dental treatments
  • Advertising and reward of up to $250 for Preferred plan and $500 for Ultimate plan
  • Boarding kennel and cattery fees
  • Vacation cancellation of up to $1,000 for Ultimate plan
  • Mortality benefit of up to $1,000 for Ultimate plan
  • 10% increase in premium for working dogs

What’s Not Covered?

  • Pets less than 6 weeks old
  • Cosmetic surgery
  • Spaying or neutering
  • Pre-existing conditions
  • Elective surgeries
  • Anything not administered by a licensed veterinarian
  • Obedience or training classes and devices
  • Neglect or abuse
  • Racing, coursing or organized fighting
  • Experimental procedures

Plan Details

Waiting Period

5-day waiting period for accidents and injuries

14-day waiting period for illnesses

6-month waiting period for problems associated with patellas and cruciate


*Cannot be waived unless a customer has purchased their policy using Shelter, Veterinarian, or Humane Society partner

Out of state coverage


Out of country coverage

US only

Age caveat

Any cat or dog that is at least 6 weeks old


Choices of $50, $100, $200, and $500

Claim limit

$10,000, $14,000, Unlimited

Issuance fee

Not stated

Admin fee

One-time admin fee of $90

Figo Pet Insurance Plans

Essential Plan

*Annual veterinary benefits of $10,000


  • Advanced Cancer Treatments
  • Emergency and Hospitalization
  • Veterinary Exam for Injuries
  • Hip Dysplasia
  • Knee Conditions
  • Chronic Conditions
  • Veterinary Specialist Treatments
  • X-Rays, MRIs, Cat Scans, Ultra Sounds
  • Diagnostic Testing
  • Non-Routine Dental
  • Holistic and Alternative Therapies
  • Hereditary and Congenital Conditions
  • Prosthetic and Orthotic Devices
  • Behavioral Problems
  • Co-Pay and Deductible Waived for Emergency or Life-Saving Treatment

Preferred Plan

*Annual veterinary benefits of $14,000

Includes all services covered by Essential:

  • Lost Pet Due to Theft or Straying
  • Lost Pet Advertising and Reward
  • Emergency Boarding Fees

Ultimate Plan

*Unlimited annual veterinary benefits

Includes all services covered by Essential and Preferred plan plus:

  • Death from Covered Illness or Injury
  • Emergency Vacation Cancellation

What is Pet Cloud?

Pet Cloud is an online tool that allows customers to manage their pet’s profile and access different kinds of benefits such as:

  • Uploading using any device or sending files directly into a customer’s Pet Cloud through their personal email
  • Completely paperless documents and records related to their customer’s pet
  • Free and unique pet tags for each pet
  • Pet tags allows owners to receive group texts in case of loss
  • Simple and hassle-free claims
  • Pet GPS using Gibi technologies that tracks a pet’s movement in real time
  • Real time alerts whenever a pet is outside of the safe zone


  • Medical services pet
  • Internet partner
  • Multiple pet
  • Strategic partner
  • Annual premium payment discount
  • Veterans and serving military discount
  • Veterinary clinic staff and students discount
  • Corporate group benefit plan

*Discounts offered varies by state and are all subject to a maximum percent discount

The Fine Print

  • Does not require a veterinary exam to enroll. Customers can provide medical records showing their pet’s annual health exam performed by a licensed veterinarian which occurs during the last 12 months.
  • Premiums do not increase due to claims. The company also does not penalize customers for making claims on their policy.
  • Clients are allowed to downgrade their deductible and reimbursement percentage at any time.
  • Additional fee of $2.00 for each monthly credit card or debit card payment.
  • One-time administrative fee of $9

The Bottom Line

Figo offers a wide range of benefits and coverage options and best of all comes with unlimited medical benefits. Pet parents are also give the option of customizing their pet insurance plan, giving them the option of determining coverage, deductibles most suited for their budget. Figo’s Pet Cloud tool even makes managing their pet’s record easier and eliminates the need for documents. Overall, Figo pet insurance offers excellent coverage and great savings.  

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