Figo Pet Insurance Review

Rating: 8 / 10 (Very good)
16 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
Figo is a Chicago-based pet insurance provider that cover cats and dogs. Founded in 2012, Figo takes a very technology-centric approach to pet insurance, incorporating a cloud-based platform to manage all your medical records and relevant information. The company offers coverage that is relatively generous, and unlimited benefits as an option.

How is Figo rated?


Benefit Limits
Claims and Service

Overall Rating: 8 / 10 (Very good)

Figo offers extremely generous coverage for the price. Its standard plan covers items that most high-level plans won't, unless they are made available as costly add ons. Figo is the only company we are aware of that has an 100% reimbursement option. Though, this will mean the highest premium. The company offers unlimited coverage as an option and will waive payments if the animal is receiving life-saving care. However, Figo is relatively new and does not possess the experience or time in business as some of our other featured companies.

Figo Coverage

Coverage - 9 / 10

Figo offers three plan levels and all of them provide substantial coverage for the price compared to most other companies. Figo's least expensive plan covers normal accidents and illnesses, but also things like prescriptions, hip dysplasia, exam fees, alternative treatments, prosthetics, mobility devices, and treatment for behavioral problems. The other two plans only go up from there, covering lost pet advertising and reward, and vacation cancellation. Figo also no exclusions for hereditary or congenital conditions, or pre-existing conditions if they have been cured for 12 months. Figo is the only company we are aware of that will waive copays and deductibles for life saving care.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 8 / 10

Unlike some of our other top companies, Figo does not offer unlimited coverage as a default. You can choose between $10,000, $14,000 and unlimited. For complete peace of mind you may have to go with the high end plan to get the unlimited coverage, as advanced techniques and specialized treatments are costing more than ever before. Figo does not operate on a benefit schedule.
Benefit Limit Types

Reimbursement & Deductibles

Reimbursement - 8.5 / 10

Figo offers reimbursement levels of 70%, 80%, 90% and 100%. They are the only pet insurance company we are aware of that reimburses at 100%. They also pay out on the actual vet bill.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 9 / 10

Like all the best options, Figo allows you to customize your deductible with four choices between $50-$500. However, the company will waive the deductible if your pet is receiving life saving care. This is an annual deductible not per condition.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Figo cost?

Pricing - 6.5 / 10

Figo offers you more extensive coverage than most competitors at a price that is in line or slightly higher than average depending on the plan, deductible, and reimbursement percentage you choose. Plus, the cloud platform gives you access to a virtual pet lover community. Advantages include, pet-centric activities and stores around you, vaccination and appointment reminders, and online pet profiles that can assist those looking for lost animals.

Starting Monthly Premiums

Rate Details: Annual Deductible: $50, Benefit Cap: $10,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: 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

Enrollment & Waiting Periods

Enrollment - 6.5 / 10

Figo covers all dogs and cats 6 weeks and older. There is no upper age limit, which is great as many other plans have one. There are also no breed restrictions. Waiting periods for accidents and injuries is 5 days, and 14 days for illnesses. There is also a 6-month waiting period for problems associated with patellas and cruciate. Figo offers an online discount at enrollment and a host of other discounts including full pay, shelter/rescue, military, service dog, and multi-pet.
Min Enrollment Age
0 weeks
Accident Waiting Period
5 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Claims and Service - 8.5 / 10

Figo's claims process is completely paperless and features fast and easy mobile claims with an average approval time of 10 days. You can either take a picture of the bill with your phone and submit it via the cloud, or uploaded it to your email client and send it that way. Turnaround times are faster than most if you select direct deposit. The company is reachable via text, chat, phone, email, Twitter, or Facebook Messenger. Figo even sends get well cards to sick pets or care packages to those who have passed away.
Advertised Response Time
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
10W Hubbard St. Ste, Chicago, IL, 60654
Mailing Address
10W Hubbard St. Ste, Chicago, IL, 60654
Year Founded

Our Partner
8.0 / 10
  • Extremely comprehensive coverage
  • Waives copays and deductible for lifesaving care
  • Up to 100% reimbursement 
  • Includes exam fees
  • Innovative cloud-based platform to manage your pet's lifestyle
  • Visit any licensed emergency hospital, veterinary practice, or specialist
  • Plans averaging less than $1.50 per day

Latest Figo Reviews

Lillian r
Dallas, Texas

Hello, want to thank your customer service team for excellent service. I look to redoing business w u in the future. thank you for all your help.

Miami, Florida

Do not get Figo pet insurance! My cat has had two UTIs and they refused to pay anything for either vet visit. They claim that a UTI is a "pre-existing condition" which is ridiculous. That would never be allowed to happen in human health care, to which a representative told me "pet insurance is not like human insurance"... so beware, they will not treat your pets as actual patients, but instead blame them for getting sick more than once a year and refuse to pay.

Joey R
Minneapolis, Minnesota

Very happy that I purchased insurance through Figo. The Pet Cloud is convenient and easy to use. My claims have been promptly reviewed and reimbursed. Highly recommend.

mark v
Bethesda, Maryland

I have had cats for over 35 years and never purchased pet insurance for many reasons including it didn't exist years ago and I never had any major problems with my cats health but more recently I decided it was a good idea to have insurance for my three babies (cats). I did a great deal of research into what would be the best pet insurance for my cats and considered many many factors including cost, coverage, ease of filing claims, helpfulness when I called the companies, and so on and eventually decided on FIGO even though they were smaller and not as well known in the industry as some of the others. Anyway, I purchased FIGOinsurance in November 2017 assuming based on past experience... Read More

Sandi B
Chicago, Illinois

I've had many wonderful pets over the years, and I wish I had known about pet insurance earlier. I read reviews, compared different insurers, and created quotes. Most importantly, I studied the coverage details. Ultimately, I am happy and grateful I chose to insure my rescue dog with Figo. When I had to file a claim, I was at first apprehensive, but it turned out to be a painless process. I just took a pic with my phone and submitted it. My claim was processed within two weeks and all the claim info was available in my Pet Cloud. Since that first experience, I have filed several more claims and the process has been relatively consistent. The last claim I filed (about a month ago) took a... Read More

LoriAnn P
Peoria, Arizona

Trying to get coverage for my new puppy but when I try to obtain a quote the system says they do not insure until 8 weeks of age?? Strange because the plan overview states and I quote, "Figo covers all dogs and cats 6 weeks and older - Min Enrollment Age 0 weeks". What's up? Does the site need to be updated? Not a very good way to start a relationship with your potential pet insurer

Phillip W
Chicago, Illinois

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.

Forest Hills, New York

Figo is the best pet insurance out there. I would know as this is my 3rd pet and I was with 2 other pet insurance companies with my first two pets. If you look carefully, Figo offers the most generous coverage, and is affordable. Communications has been great. If i had a question, I would email, text, or call. Filed 2 claims, and closed and processed within 10 days. What Figo offers, the other companies cant compete....the generous coverage, a phone app, and an easy claims process. Figo sets the bar!!.. I recommend Figo to all pet owners

Boynton Beach, Florida

Warning. Stay away from Figo Pet Insurance. They are a scam. Their customer service is horrible and they process claims very slowly. I was told several times that they are experiencing high claim volume and they are hiring more people to handle it. I was also told they are growing too fast and are experiencing growing pains. This is not my problem. I have asked several times to speak with a supervisor and there is never one available. I pay my premium on time every month and expect my claims to be processed in a reasonable amount of time. Maybe they should slow down and focus on their existing customers. At this rate they will be out of business from all their unhappy customers. I wish I... Read More

Deborah K
Lacey, Washington

Alex and everyone I've spoken with thus far has been extremely helpful, caring, informative and efficient. It's been a great experience even if both of my new rescues have those stinkin' pre-existing conditions! I'm glad to have found your company. Alex, you're a gem!

dan r
Cape Coral, Florida

I am a prospective policyholder and want to advise that the company rep (Alex), who i was able to contact for information about your product, was very professional, courteous and answered all my questions about your plans, prices and financial standing, in a very thorough and helpful way. I had spent a great deal of time in trying to reach the best possible decision regarding pet insurance, and I feel that I now know which company is the best choice to protect my pet. If Alex is any indication or representation of FIGO, in general, then the choice is easy. Thanks for having Alex on your team.

Forest Hills, New York

I chose Figo because of its simplicity. Sign up took a few minutes. I chose essential plan 10k,200 deductible , 100 percent coverage. The montly premium was one of the most affordable compared to the other pet insurance companies. Plus, Figo coverage was the most generous. I have not yet filed a claim but so far customer service was very helpful. I f I had a question, I would text them, and I would get a replay back within a few mintues. I now have peace of mind. Thanks Figo.!!!

New York, New York

I spent the whole entire day trying to find good pet insurance for my cat!! And when I finally choose FIGO, it turned out to be a big waste of time!! Everytime I pressed the purchase button, it kept asking me for my password!! I put that in 85 times already & even kept changing my password!! But it wouldn't go through!! And the app doesn't even recognize my account, & so I had to uninstall it!! Thanks for nothing Figo!!😠

Maki K
Lynn, Massachusetts

I compared policies, and by far this company offers the best coverage. I went with $200 annual deductible, and 90% reimbursement plan for my two kittens. I now have the peace of mind that if something happens I am covered. Most comprehensive plan I could find.

Michael K
Baldwin, Georgia

We just insured our German Shorthaired Pointer, Prince. Have not had any claims yet but we do like the Pet Cloud where you can send Figo your pet's medical records very easy. Also, chose Figo because they had 100% reimbursement coverage that the other companies did not offer. Time will tell if we made a good choice and we will keep you updated. So far so good!!!

Justin Z
Forest Hills, New York

Figo is the really the best pet insurance out there. Our last dog we had a different pet insurance that was complicated, paperwork to fill out, and poor follow up. Figo is exactly the opposite. The plan coverage is beyond everyone else, and customer service dept is excellent. My two dogs are on Figo, and the claims processing was so easy. Thanks Figo