Pet Insurance Reviews

Figo Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated Apr 17, 2024 | 15 min read
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1,539 Consumer Reviews

Trustpilot, September 2023

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& Illness

Plans Offered

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Routine Care



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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.


Lowest Price For Dogs

$1.50 / day

Lowest Price For Cats

$1.50 / day

Monthly Payment Processing Fee


Coverage Options

Annual Deductible

$100 - $1,500

Reimbursement Rate

70%, 80%, 90%, or 100%

Annual Coverage Limit

Essential - $5,000

Preferred - $10,000

Ultimate - Unlimited

Waiting Periods


1 day (3 days in AK, CO, FL, ID, MO, NJ, NY, UT, and WA)


14 days

Cruciate Ligament Injuries

6 months

Hip Dysplasia

6 months

Orthopedic Conditions

6 months (only applies to dogs)

Filing a Claim

File Claims 

App, email, phone, or fax

Claim Expiration 

Within 180 days

Average Claim Reimbursement 

7 days

Enrollment Requirements

Age at Enrollment 

at least 8 weeks old 

Medical Review 

when filing a claim

Residency Requirement 


Figo Pet Insurance is available in three different tiers, meaning you can select the exact amount of coverage that you need without having to pay more for extra benefits you won't use. The ability to customize your deductible, reimbursement rate, and policy add-ons ensures you can find a great plan at a price that fits your budget, and makes Figo one of the best pet insurance companies in the industry.


  • Works at any licensed veterinarian
  • No maximum age limit for enrollment
  • Deductibles as low as $100
  • Optional 100% reimbursement rate
  • Pre-existing conditions are eligible for coverage after being symptom- and treatment-free for 12 months
  • 30-day money-back guarantee if no claims have been filed


  • Preventable conditions are not covered
  • Does not offer Vet Direct Pay
  • Plan availability varies by state; get a quote to see which options are available in your area


Originally founded in 2013, Figo was named the largest independent pet insurance company in 2020. Its policies are underwritten by Independence American Insurance Company and Markel American Insurance Company.

What's Covered

  • Accidents and illnesses
  • Some dental injuries and illnesses
  • Laboratory and diagnostic testing
  • Imaging
  • Cancer treatments
  • Breed-specific conditions
  • Orthopedic conditions
  • Holistic care and alternative therapies
  • Vet-recommended euthanasia

Optional Add-On: Routine Care

What's Not Covered

  • Bilateral conditions
  • Alternative, holistic, and behavioral therapies (without supplemental policy coverage)
  • Vitamins or supplements
  • Obedience training
  • Breeding, nursing, or whelping
  • Boarding fees due to owner hospitalization
  • Cosmetic or elective procedures
  • DNA testing or cloning
  • Pre-existing conditions

Routine Care Add-On

Figo offers a separate policy rider for wellness coverage to help offset the cost of routine care, known as "Wellness-Plus Powerups." For an additional monthly fee, policyholders can claim:

  • Wellness exams
  • Vaccinations
  • Spay/neuter procedures and teeth cleaning
  • Flea and parasite prevention
  • Tests (blood panel, fecal, heartworm, urinalysis, FeLV)
  • Microchipping and health certificates
  • Deworming
  • Dental treatments

The amount you can claim for Wellness is subject to the limits defined in the benefit schedule based on the tier of your chosen plan. Per-incident copays, deductibles, and co-insurance do not apply. In addition to the wellness rider, Figo offers additional riders known as Extra Care packs. These include:

  • Office Visit and Exam Fee Coverage: Physical exam fees, including costs and/or fees for telephone consultation
  • Rehabilitation and Physical Therapy Coverage
  • Holistic and Alternative & Behavioral Problems: Holistic and Alternative Medications, Behavioral Problems and any related Treatment(s), training sessions or diagnostics, are excluded, unless You purchase optional Holistic and Alternative & Behavioral Problems coverage
  • Final Respects Coverage: Air Ambulance and non-emergency ground Pet Ambulance transportation, cost of disposing of pet's remains are not covered unless you purchase optional Final Respects Coverage as shown on the Policy Declarations Page
  • Boarding Fees Coverage: The cost of boarding Your Pet, unless You purchase optional Boarding Fees Coverage as shown on the Policy Declarations Page or as a part of a Medically Necessary Treatment

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

Figo Pet Insurance Waiting Period

When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective, and the amount of time you must wait varies by provider. The waiting period for Figo Pet Insurance depends on the type of incident you need coverage for:

  • Accidents: 1 day*
  • Illnesses: 14 days
  • Cruciate Ligament Injuries: 6 months
  • Hip Dysplasia: 6 months
  • Orthopedic Conditions: 6 months for dogs

*The waiting period for accidents is 3 days for those with pet insurance in Arkansas, Colorado, Florida, Idaho, Montana, New Jersey, New York, Utah, and Washington.

How it Works

Figo Pet Insurance works globally at any licensed veterinarian in the world. Similar to most pet insurance plans, Figo will reimburse you for a percentage of covered veterinary services related to your pet's unexpected accidents, injuries, and illnesses once your deductible has been met.

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1. Visit any licensed veterinarian, specialist, or emergency doctor without the need for a referral.

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2. Pay for the visit upfront out-of-pocket at the time of your appointment.

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3. File a Figo Pet Insurance claim through their app, email, phone, or fax.

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4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.

Filing a Claim

  • Window to File: 180 days
  • Average Claim Reimbursement: 7 days
  • Reimbursement Methods: direct deposit or check

Figo processes claims within 30 days of receiving them but states that its “goal is 7-10 business days.” Payments can go directly into your bank account via ACH to make the reimbursement process faster.

Figo Pet Insurance Cost

For some policyholders, Figo Pet Insurance costs as little as $1.50 per day for Accident & Illness coverage. Note that pricing will depend on your animal's breed, age, zip code, and the coverage options you select. Getting a custom quote is the only way to get an accurate price estimate.

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Lowest Price for dogs:

$1.50 / day

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Lowest Price for cats:

$1.50 / day

Sample Prices

Figo Pet Insurance cost estimates are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, TX.

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




See how much Figo Pet Insurance costs for your pet

Discounts & Ways to Save

  • Policyholders can receive a 5% discount on premium rates for enrolling multiple pets
  • Figo offers a "diminishing deductible" that reduces a policy's annual deductible amount following a term in which no accident or illness claims are reimbursed
  • You can save $24 per year in processing fees by paying your premium annually versus of monthly

 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Figo Pet Insurance Customer Service

Figo's customer service team is available by phone, text, fax, or email 7 days per week.

Monday - Friday: 7:00 AM to 7:00 PM CT

Saturday: 8:00 AM to 6:00 PM CT

Sunday: 11:00 AM to 3:00 PM CT (text support only)

 Customer Service: 1-844-738-3446


 Other Options: online chat, tele-med support

Enrollment Requirements

  • Minimum age at enrollment: 8 weeks
  • Medical Review: Records are requested at the time the first claim is filed
  • Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
  • One time enrollment fee

Cancellation Policy

Figo offers a free trial and a 30-day money-back guarantee. However, you can cancel a Figo Pet Insurance policy anytime by emailing their customer service team.

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Expert Insights

Is Figo Pet Insurance good?

"In our official Figo Pet Insurance review, we were impressed by the wide range of customization this provider offers. This allows you to pick a plan and pay for the exact coverage features you need while saving money on the ones that you don't.

Figo is a tech-forward company with a unique perk called The Pet Cloud, a smartphone app that enables pet parents to manage important documents, connect with other owners, and find pet care services in the area. This complementary feature is available to all Figo policyholders no matter what plan tier they choose at enrollment.

Another benefit of Figo Pet Insurance is the lack of geographical restrictions commonly found with other carriers. This may be especially attractive to pet owners who like to travel with their four-legged friends in case they ever need medical attention while out of the country."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Figo Pet Insurance Reviews


1,539 Consumer Reviews

We should have bought pet health insurance years ago.

We've had dogs since 1981, and never had health insurance for them. Based on the ease of claims, speed of payment, and breadth of coverage (including wellness) we should have had pet insurance sooner. Figo has been very easy to claim for our newly adopted beagle. Our last beagle had cancer, which we paid for ourselves ($$$$) and even her final illness was thousands.

September 24, 2023

This is my first pet insurance

This is my first pet insurance after a series of many wonderful dogs. I never needed it before but now veterinary care is quite expensive and insurance is really needed. Gigi was. Very easy to use and helpful

September 22, 2023

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More From Pawlicy Advisor

 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

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Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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