Figo Pet Insurance Logo



Starts at $100



US, Canada, and Puerto Rico

Mobile app:


Android & iOS

BBB Rating:



Editorial Rating

Figo Pet Insurance Review

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Starts at $100



US, Canada, and Puerto Rico

Mobile app:


Android & iOS

BBB Rating:



Waiting periods:


1 day for accidents, 14 days for injuries, 6 months for hip dysplasia and orthopedic conditions in dogs

Customer service:


App, chat, email, and phone

Figo Pet Insurance Logo

Editorial Rating

Figo Pet health insurance is a leading American brand that offers affordable and quality insurance for your canine and feline family members.  The company stands out with its range of customizable and comprehensive coverage.

Judging by numerous positive Figo Pet Insurance reviews, the company is undoubtedly among the top brands that deliver great value for money.

What Is Figo Pet Insurance Best For?

Figo insurance is best for pet owners with relatively young, healthy animals. Just like most other pet health insurance companies, it doesn’t cover pre-existing conditions at all. Yet, it does cover severe conditions that have developed after buying the insurance premium.

Figo Pet Insurance plans make quality healthcare possible for your pet when they need it the most. It’s a no-frills service, so if you’re looking for a veterinary discount card, you might want to consider other options. For instance, you can check out Pet Assure for special offers on consultations and procedures.

Is Figo Pet Insurance Legit?

The Figo insurance brand has been on the market since 2012 — almost for a decade now.

The Better Business Bureau has accredited the company in 2016 and rated it with B. However, don’t be confused by the negative Figo Pet Insurance reviews on BBB.  Most of them are the consequence of users failing to read the fine print thoroughly. Others are customer-specific. On no account do they stand for the low quality of the company or, let alone, its illegitimacy.

Figo Pet Insurance Coverage

As a pet parent, you can choose among three Figo Insurance plans to have maximum health protection for your hairy family member:

  • Essential
  • Preferred
  • Ultimate

Now, how do these pet insurance plans differ? Expectedly, the main discrepancies lie in the coverage, reimbursement, and deductions. But what all of them include is Figo Pet Cloud — an extraordinary feature that allows you to keep track of your pet’s medical details and submit claims with the app. It’ll also offer personal recommendations for pet services in your area and articles on pet care.

Besides access to Figo Pet Cloud, the plans cover:


  • Automobile accident
  • Ingestion of a foreign body
  • Poisoning
  • Animal bites
  • Gastric torsion
  • Cruciate ligament rupture
  • Accidents resulting in dental trauma, burns, and fractures


  • Genetic conditions
  • Cancer
  • Chronic conditions

Procedures and supplies necessary in the course of treating a covered illness or accident:

  • Surgery
  • X-rays, ultrasounds, CT scans, and other diagnostic tests
  • Medical supplies
  • Laboratory tests
  • Hospitalization and post procedure in-hospital care
  • Medications prescribed as part of the pet’s accident or illness treatment
  • Endodontic treatment for dental Injuries, such as root canals and crowns
  • Pet ambulance transportation, in the event of an emergency
  • Euthanasia where necessary for humane reasons
  • Orthodontic treatment

All examinations performed by a veterinarian in the course of treating an otherwise eligible condition

Notably, Figo Insurance plans offer some additional coverages that vary by state.

Figo Pet Insurance Limitations

Even though it’s one of the top-rated pet insurance companies, Figo doesn’t come without any limitations. First thing first, it doesn’t cover pre-existing conditions, which is typical of pet medical insurance. Still, there are some services which are included in other companies’ best pet insurance plans,  but excluded from Figo.

Additional exclusions apply for:

  • Routine care and preventative treatments
  • Spaying and neutering
  • Breeding, prenatal, or whelping costs
  • Experimental procedures
  • Cosmetic surgery
  • Cloning
  • Supplements
  • Dental care
  • Parasites

You can use any network, but a licensed vet must apply the treatments.

How Much Does Figo Pet Insurance Cost?

The company doesn’t have a set price for its services. What your Figo Pet Insurance cost will depend on the age and breed of your pet. Also, your state of residence affects the premium costs as vet services prices vary greatly from one state to another.

Thus, to find out your prospective premium price, you’ll have to get a quote upfront. Figo Pet Insurance will personalize the price based on the information you provided. If you’re looking for Figo dog insurance, keep in mind that the older the dog is, the more expensive the premium.

Pet parents can choose from three Figo Pet Insurance premium plans:

  • Essential: covers up to $5,000,
  • Preferred: covers up to $10,000
  • Ultimate: unlimited coverage in most states

Notably, the Ultimate plan has a cap of $20,000 a year in Washington and Maryland.

Reimbursement options vary from 70% to 100%, depending on the pet’s age and location.

Deductibles range from $100 to $1,500 per year, again, depending on the age and breed. You may opt for a higher deductible to reduce your monthly rate. A lower rate of coverage also reduces the cost. For example, you can choose 70% instead of 100% cover.

However, before you sign up for any of the plans, make sure that you read the fine print and understand what services are not included.

Figo Pet Insurance Customer Service

If you need help or advice regarding pet health insurance, Figo customer service is at your disposal. You can reach it via live chat, email, SMS, phone, and fax. The reps are also available on social media. Users have mentioned in their reviews of the pet insurance company that the staff is knowledgeable and friendly.

The Customer Experience section is available Monday through Friday from 7 am to 7 pm CT. You can contact it over the weekend too: on Saturdays from 8 am to 6 pm, and on Sundays, 11 am – 3 pm.

The company also offers a handy application for claims. Should you have any questions or need help filing, you can contact the Claims Support section on weekdays from 8 am to 5: 30 pm.

Figo Pet Insurance User Reviews

There is hardly any company with 100% satisfied customers, so this could also be the case with Figo pet health insurance. People tend to get particularly upset when they’re denied coverage for their pets.

The Positives

Figo Pet Insurance has a very good rating on Consumer Affairs. The claims process gets the highest praise because of its simplicity — it takes just a few steps to claim your refund. Plus, many users praise the company for its fast turnaround on claims qualifying incidents

The Negatives

The clients’ dissatisfaction with the company is, logically, reflected in the negative Figo Pet Insurance reviews. In most cases, however, they result from pet owners’ failing to read the fine print thoroughly. Often, they tend to file a refund for the vet services that aren’t covered by the premium. Expectedly, this ends up as a negative experience for a pet owner. Therefore, check that your pet is covered before embarking on an expensive treatment regimen.

Is Figo Pet Insurance the Best Pet Insurance?

It depends on your situation but, overall, it’s good value for money. There are mixed reviews, but Figo Pet won’t let you down as long as you understand the coverage correctly.

If you choose a higher deductible, you’ll save significantly more than with other insurers.

Alternatives of Figo Pet Insurance

As all dog mums or cat dads, you want the best possible care for your fluffy friend. To do so, you need to research and compare pet insurance companies and find the one that suits your needs perfectly.

So, how does Figo Pet Insurance differ from its competitors?

Figo vs Healthy Paws

This pet insurance comparison boils down to customer service and coverage. Healthy Paws provides more limited coverage but has a better reputation for its excellent customer service. That said, Figo’s annual deductible makes its plans more affordable.

Figo vs Petplan

The differences between the companies are minimal. Both provide a multiple pet discount plan. Neither provides a vet pet discount card.

Petplan coverage is almost identical to Figo’s. That said, the Figo Pet Insurance fee and deductibles are lower, and so are the waiting periods. PetPlan pays vet consultation fees at no extra charge, however.

Figo vs Trupanion

Both companies focus on premiums for cats and dogs, but the plans aren’t structured in the same way. Trupanion doesn’t have a payout limit, unlike Figo, which offers three annual benefits of $5,000, $10,000, or unlimited. Furthermore, Trupanion covers rehabilitative and behavioral therapy, while these services are available as optional with Figo. None of the companies cover wellness for preventive care.

Wrap Up

Now to wrap up our Figo Pet Insurance review, let’s talk about what we liked and didn’t like about the company.

Figo provides no-nonsense cover at reasonable rates. It’s won accolades as the best pet insurance company because of its customized plans and smart technology. The claims process is also simple, which is a great plus as clients don’t have to bother and waste time on unnecessary filing procedures.

The most significant drawback is actually typical for all pet insurance providers — the absence of services such as spays and neuters, dental care, preventative treatments from the coverage. The exam fees aren’t included either but are available as an extra option.

Overall, we could say that Figo Insurance is a small price to pay for the health of your best friend.


  • Option to cover exam fees
  • 24/7 virtual pet visits
  • No upper age limit for enrolment
  • Claims are paid within 5-7 business days
  • 30-day money-back guarantee


  • Administrative and payment processing fees
  • Extra costs if you don’t set up an ACH
  • Billing date cannot be changed
Figo Pet Insurance Logo

Editorial Rating


What is Figo Pet Insurance?

It’s a pet insurance company that pays the vet bills off your four-legged friend. Given that the costs of veterinary care keep rising, getting a pet insurance premium or pet discount cards is a wise option to consider.

Does Figo Pet Insurance cover cancer?

Most cat and dog insurance companies hate to talk about cancer, as it’s a hot-button issue. Cancer treatments are expensive, so they don’t want to cover them. Figo Insurance provides coverage for that as long as it falls within the annual and lifetime limits.

What does Figo Pet Insurance cover?

Figo covers treatments for illness, injury, and rehabilitation, as well the use of prosthetics, euthanasia, and cremation if the vet recommends it. Dental care is only covered if your pet’s teeth are harmed in an accident. You can use any network, but Figo Insurance pays only for treatments from licensed veterinarians. It caps annual coverage and includes a wide range of conditions. Take your best friend for an upfront exam to see if you qualify for the Figo Pet Insurance instant cover. If not, the company will advise you on the waiting periods.

Does Figo cover hip dysplasia?

Yes, as long as it’s not a pre-existing condition. If your dog shows signs of the disease within 6 months of taking the coverage, that counts as a pre-existing condition. If not, coverage starts a year after the policy activation.

Is Figo Pet Insurance Good?

Numerous positive Figo Pet Insurance reviews indicate the company is among the best in the field. It’s quite cost-effective and affordable, given the expenses of vet treatments and the services that it covers. The only thing you should pay great attention to is the fine print so that you’re aware of what treatment procedures and services are covered.