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Figo Pet Insurance Review & Pricing (2024 Guide)

Author Image Written by Brenda Woods Updated 04/17/2024

Figo offers pet insurance policies that keep pets protected against accidents and illnesses and save pet owners money on excessive vet bills. Depending on your location, its plans can be worthwhile and affordable pet insurance with unlimited coverage limit options.

Keep reading to find out more about the company’s background, insurance coverage options, and pricing and our recommendation on whether Figo is the best pet insurance company for you and your furry friend.

Key Takeaway: Scoring points for customer service availability and plan options, Figo received a score of 91 out of 100 during our review of top-rated pet insurance carriers.
Best Extra Coverage Add-On
  • Has a user-friendly mobile app for claims and policy management
  • Customer service is available through SMS texting
  • Has a one-day waiting period for injuries, which is shorter than many competitors
  • Doesn’t cover animals under eight weeks old
  • Has a B rating on the BBB, which is lower than competitors

Located in Chicago, Figo was founded in 2013 by Rusty Sproat. Its insurance product sits at the intersection of technology and pet insurance, providing pet parents with an easy way to manage their pet’s health.

Additionally, Figo created a cloud-based mobile app called Pet Cloud for customers to connect with other pet parents, share images, chat with live vets 24/7, and explore pet-friendly places in their area, such as parks, daycares, and restaurants.

Figo policyholders can be confident in their coverage since Figo’s pet insurance policies are underwritten by the Independence American Insurance Company (IAIC), which has an A- for financial strength by A.M. Best and an A+ rating from the Better Business Bureau (BBB).

Figo is available in all 50 states plus Washington, D.C. However, pricing and policy details may vary from state to state, so we recommend getting a quote to find out more about what’s available in your area.

What’s Our Take on Figo Pet Insurance?

Figo stands out amongst the competition for its 100% reimbursement rate option. In some states, it also offers a unique add-on for extra coverage on costs for cremation, boarding fees, and third-party property damage liability.

Figo, which is available in all 50 states and D.C., might be a good option if you’re looking to avoid co-pays or out-of-pocket expenses during a claim beyond your deductible.

If you’re not sure which pet insurance company to use, we recommend getting a quote from our top-rated pet insurance providers.

Monthly Cost
4.1 / 5
4.1 / 5
Company Reputation
4.3 / 5
4.3 / 5
Plan Options
5 / 5
5 / 5
Customer Service
5 / 5
5 / 5
4.6 / 5
4.6 / 5
Eligible Species
5 / 5
5 / 5

How Does Figo Compare To Other Pet Insurance Companies?

Quickly compare features from Figo and other top-rated pet insurance providers:

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$33.69 $13.32 VISIT SITE
$38.44 $21.53 VISIT SITE
$65.15 $53.43 VISIT SITE
$20.76 $18.47 VISIT SITE
$44.83 $24.68 VISIT SITE
$49.85 $26.55 VISIT SITE
$44.79 $16.36 VISIT SITE
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Much Does Figo Pet Insurance Cost?

Figo’s premiums can be customized based on your choice of 70%, 80%, 90%, or 100% reimbursement rates and $100, $200, $250, $500, $750, $1,000, or $1,500 annual deductibles (depending on your pet’s age and location).

Your preferences can also affect the pricing of the exam fees add-on, which is typically around $4–$10 extra per month. When available, the Extra Care Pack is usually a flat rate of $6.62 per month, regardless of your dog or cat’s breed.

Here are a few sample premiums for four-year-old dog and cat breeds located in Raleigh, North Carolina, with a $500 annual deductible and 80% reimbursement rate:

Figo Sample Monthly Premiums

Species/breed*Dog – Medium MixedDog – Golden RetrieverDog – Yorkshire TerrierCat – Domestic Medium Hair

Essential Plan





Preferred Plan





Ultimate Plan





*All sample quotes are for four-year-old pets located in Raleigh, North Carolina, with a $500 deductible and 80% reimbursement rate

Does Figo Pet Insurance Offer Discounts?

Figo provides a 5% discount for each additional pet that you add to your policy. For companies with more discounts, look to Embrace for its military discount or Lemonade for 10% off your premium when bundling with homeowners insurance.

What Plans & Coverage Does Figo Pet Insurance Offer?

Figo sells three plans, which each cover accidents and illnesses. Covered treatments must be considered medically necessary and related to an accident or illness. Here are some examples of the incidents and treatments covered under a Figo plan:

X-rays, CT scans and ultrasounds
Hospitalization and pet ambulance transport
Endodontic treatment for dental injuries
Lab tests and prescription medications
Orthodontics, acupuncture, and euthanasia
Toxic ingestion and poisoning
Bite wounds and Ligament rupture
Dental trauma
Genetic, chronic, and congenital conditions
Burns and broken bones

Each plan includes the same accident and illness coverage but is separated based on annual limits and lifetime coverage caps. Here are the annual and lifetime limits for each separate plan:

  • Essential Plan: $5,000 annual benefit
  • Preferred Plan: $10,000 annual benefit
  • Ultimate Plan: Unlimited annual and lifetime benefit

In addition to these standard plans, Figo offers additional coverage to pay for added costs from consultations, exams, vet visits, or diagnostics related to eligible accidents or illnesses. In some states, Figo offers the Extra Care Pack, which covers cremation, lost pet advertising, vacation cancellation fees, boarding fees, pet theft replacement, and third-party property damage liability.

You can also add wellness or preventative care coverage to your policy for things like vaccines, bloodwork, fecal tests, urinalysis, annual check-ups, and microchipping. The table below shows the specific limits for each treatment included in the Basic and Plus wellness plans and their standard monthly costs.

Wellness Plans Coverage Limits

TreatmentBasic PlanPlus Plan

Wellness exams






Spay/neuter or teeth cleaning






Microchipping or health certificate






Total annual benefit



Monthly cost



What Coverage Exclusions Does Figo Have?

Like all other pet insurance companies, Figo doesn’t cover any pre-existing conditions, which it defines in a sample policy as “a chronic condition, injury, or illness with clinical signs observed by you or your veterinary provider within 12 months of or prior to the policy’s effective date and waiting period.” This includes any undiagnosed conditions.

Figo also excludes coverage for treatments related to hip dysplasia and orthopedic conditions during the first six months of your policy.

Where is Figo Pet Insurance Available?

Figo is available in all 50 states plus Washington, D.C. However, pricing and policy details may vary from state to state, so we recommend getting a quote to find out more about what’s available in your area.

How Do Customers View Figo Pet Insurance?

According to reviews on Figo’s BBB and Trustpilot profiles, some customers are satisfied with the company’s fast claims process and friendly customer service, while other customers are upset with raised prices and denied coverage. These complaints are likely the reason for a BBB rating of B.

“I was skeptical about getting insurance for my cat. After some research I chose Figo. So far I am very happy with them. I put in two claims and both were paid in a timely fashion. When I had to call to ask about a claim, the representative was very nice and helpful.”

David S. on Trustpilot

“I have Figo for two dogs. My policy is one year old and is just renewing in August. I have never made a claim, [my] policy is one year old, my dog is only three years old in excellent health, and my policy increased almost 100%. [It] went up from $38 to $69 per month. They gave me a low rate and then hiked it way up at the first opportunity. I can understand a small yearly increase, but this is unreasonable. If I could rate them lower than 1 star I would have. Buyer, beware.”

Adrienne M. on the BBB

Is Figo Pet Insurance Worth It?

Figo is an ideal pet insurance insurer for pet parents who want unique technological benefits, 100% reimbursement, and added coverage features. However, coverage options can be limited depending on your state and pet’s age. If Figo doesn’t offer the coverage you need, we recommend looking to Lemonade or Healthy Paws for comparable options.

FAQs About Figo Pet Insurance

How long is the waiting period for a Figo pet insurance policy?

The waiting period for a Figo policy is one day for injuries from accidents and 14 days for illnesses. Additionally, some specific conditions—hip dysplasia and orthopedic conditions— have a six-month waiting period.

Does Figo cover birds and exotic animals?

No. Figo pet insurance is limited to cats and dogs. If you need pet health insurance for avian or exotic animals, we recommend checking out Nationwide pet insurance.

How much does Figo pet insurance cost?

The cost of Figo pet insurance varies depending on your location, as well as your pet’s species, breed, age, and size. However, we found the average cost of the Preferred Plan with an 80% reimbursement rate and $500 annual deductible to be $20–$35 per month for dogs and $10–$20 per month for cats.

How do I cancel my Figo pet insurance policy?

You can cancel your Figo pet insurance policy by emailing a Figo customer service agent to terminate your contract.

How do I contact Figo customer service?

Figo’s customer service can be reached via live chat on its website, SMS text messaging, email, or by phone during the following hours: Monday through Friday, from 9 a.m. to 8 p.m. EST.

Our Rating Methodology

We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics such as plan options, customer service, reputation, and monthly pet insurance premiums.

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