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Insurance Pet Insurance

Figo Pet Insurance Review

4.4 /5
LendEDU Rating
Pet Insurance
  • Accidents are covered just three days after enrollment
  • 24/7 access to online licensed veterinary professionals
  • 30-day money-back guarantee
  • 12-month waiting period for orthopedic conditions
  • $15 admin fee
Annual coverage$5,000, $10,000, or unlimited
Reimbursement70%, 80%, 90%, or 100%
Deductible$100, $250, $500, $750, $1,000, or $1,500

Figo offers customizable coverage built for millennial pet parents. Pet parents can choose one of three comprehensive plans, and then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet, and easy mobile claim filing.

This Figo pet insurance review will cover the different plans available to you, the pros and cons of taking out a policy, how to get started, and more.

Figo Pet Insurance: Costs & coverage

Eligible petsDogs & cats
Minimum age8 weeks
Vet exam required?No
Maximum benefit options$5,000, $10,000, or unlimited
Reimbursement range60%, 65%, 70%, 80%, 90%, or 100%
Deductible range$100, $250, $500, $750, $1,000, or $1,500

Figo has been supplying pet insurance and other financial products since 2012. As part of Google’s Tech Hub Network, Figo offers a number of interactive and intuitive tools for pet owners who utilize their insurance including smart updates and 24/7 access to a live vet via the app.

Figo offers multiple types of pet insurance plans for both cats and dogs. This means that regardless of the size and condition of your pet, Figo is likely to offer coverage.

While the Essential plan is the cheapest and provides the most limited coverage, the Ultimate plan offers owners nearly unlimited services while the Preferred plan offers a middle ground. 

Figo pet insurance is also a unique pet insurance company because of the number of discounts it offers. Veterans, owners with medical services pets, and even owners who pay their annual premium in one lump sum will pay a lower overall cost.

What does Figo Pet Insurance cover?

Figo pet insurance offers many levels of coverage to fit the needs of most pet owners. And all breeds of dog and cat are eligible. 

Reimbursement rates are between 60% to 100% depending on the plan and the deductible can be as low as $100 or as high as $1,500.

Hereditary and congenital condition coverage sets Figo apart from many other companies, and owners can expect coverage for hospitalization, surgery, prescriptions, and even cancer treatment.

How much does Figo Pet Insurance cost?

Although costs and coverage vary based on each individual’s unique situation, plans for small dogs start as low as $20.

For an additional fee each month (typically between $5–$6), pet owners can add Veterinary Exam Fee coverage, which will cover the fees charged for an office visit if a pet is experiencing a covered issue. (This does not include routine and preventative visits.)

Pros & cons of Figo Insurance


  • Annual deductible system gives owners a clear idea of treatment costs.

  • Paying annually allows for premium discount.

  • More likely to find coverage for pets with pre-existing conditions—albeit at a higher premium.

  • App allows you to see reminders for care, talk to a live vet, and chat with representatives.

  • “Curable” pre-existing conditions may be eligible for coverage if no signs or symptoms are present for 12 months.

  • Annual deductible reduced by $50 until it results in a $0 for each year you don’t file a claim.

  • Copay and deductible waived for emergency life-saving treatment (for accidents only).


  • Some customers complain that their pet’s treatment wasn’t covered as expected.

  • Coverage limited to some animals, such as reptiles, amphibians, birds, and fish.

How to get covered

To get a Figo policy, follow these steps.

1. Enter basic information

You just need to provide some basic information about your pet online, including:

  • Your pet’s name
  • Species and breed
  • Age
  • Your zip code

2. Select your policy

You’ll then be required to make your policy selections. These include the amount of coverage you want, the size of your deductible, and what additional protections—if any—you’d like to add to your policy.

Figo pet insurance policy
Note: the rates you’re offered may vary from those above based on your pet and location.

After you make your selections, you just need to submit your first payment for your policy to go into effect. Coverage can begin as soon as the following day.

>> Ready to get started? Get a quote on Figo’s website.

Where is Figo Insurance available?

Figo is available throughout the United States and owners in Canada and Puerto Rico can also apply for coverage. Because Figo is a technology-based insurance company, you can get a quote online and complete your application from the comfort of your own home at any time.

Figo customer service

Figo Pet Insurance reviews are positive overall, with many policyholders noting their claims were resolved within an hour or even while they were still at the vet.

The company can be contacted in several ways: 

Contact methodDetails
TweetAccessible via company Twitter handle
Email[email protected]
AI AssistantEvie, available to answer most questions

Figo is available during these hours and at [email protected]:

AvailabilityPhone supportText support
Monday to Friday8:00am – 7:00pm CST
Saturday8:00am – 6:00pm CST
SundayNot available11:00am – 3:00pm CST

Figo vs. Healthy Paws

One of Figo’s main competitors, Healthy Paws, is another pet insurance provider with a strong track record of good reviews.

However, it’s important to note that while, officially, neither provides coverage for preexisting conditions, Figo may provide some coverage on an individual basis.

Healthy Paws also boasts a payment mailing timeline of three days, but thanks to Figo’s tech-centric approach, owners can see their claims processed in mere hours.

Figo’s lack of age restrictions also set it above Healthy Paws, as HP requires a veterinary examination at or before 6 years of age to qualify. Further, age can disqualify a pet from certain coverage with Healthy Paws, and older pets see significantly higher premiums that are uncommon at Figo.

Read More

Interested in comparing Figo to other insurers? Check out our guide to the best pet insurance companies.

How we rated Figo Pet Insurance

Figo scored a 4.4 out of 5. We rate pet insurance companies based on a variety of data points including coverage, cost, customer ratings, benefit limits, exclusions, and more.

Ready to get a quote for Figo Pet Insurance?

  • Deductible: $100 – $1,000
  • Reimbursement: 70% – 100%
  • Benefit limit: $5,000 – Unlimited