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Figo Pet Insurance Review

Author Icon By Stephanie Koncewicz Updated 01/02/2024

Figo offers pet insurance policies that keep pets protected against accidents and illnesses and saves 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.

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.

Pros & Cons of Figo Pet Insurance

Pros 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
Cons Doesn’t cover animals under eight weeks old Has a B rating on the BBB, which is lower than competitors

Figo Background

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, day cares, 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 Pet Insurance Plans & Coverage

Figo sells three plans, which each cover accidents and illnesses. Here are some examples of the incidents covered under a Figo plan:

  • Toxic ingestion
  • Poisoning
  • Bite wounds
  • Gastric torsion
  • Ligament rupture
  • Dental trauma
  • Burns
  • Broken bones
  • Genetic conditions
  • Chronic conditions
  • Congenital conditions
  • Cancer

Covered treatments must be considered medically necessary and related to an accident or illness. Here are some examples of the covered procedures and treatments in all three of the plans offered by Figo:

  • Surgery
  • X-rays
  • CT scans
  • Ultrasounds
  • Lab tests
  • Hospitalization
  • Prescription medications
  • Endodontic treatment for dental injuries
  • Pet ambulance transportation
  • Euthanasia if necessary for human reasons
  • Orthodontic treatment
  • Acupuncture

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



Coverage Exclusions

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.

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:

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


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.

Figo Pet Insurance Reviews

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.

Here are some reviews from existing Figo customers:

David S. on Trustpilot:

“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.”

Adrienne M. on the BBB:

“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.”

State Availability

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.

Compare Cost of Pet Insurance Providers in Your State

Figo Compared To Other Pet Insurance Companies

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


Reimbursement Choices

Deductible Options

Star Rating


Best Overall

70%, 80%, 90%

$100, $250, $500



Most Customizable Plans

70%, 80%, 90%

$100, $250, $500, $750, $1,000



Best Deductibles

70%, 80%, 90%

$200, $300, $500, $750, $1,000



Best for New Pet Owners

70%, 80%, 90%

$100, $250, $500


Fetch Pet Insurance

Best Holistic Coverage

70%, 80%, 90%

$250, $300, $500


Healthy Paws

Best Coverage Limit




Prudent Pet

Most Comprehensive Plan

70%, 80%, 90%

$100, $250, $500, $1,000



Best Extra Coverage Add-On

70%, 80%, 90%, 100%




Best for Dental Coverage


$100, $250 or $500


Frequently Asked Questions About Figo

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 Conclusion

Figo is an ideal pet insurance insurer for pet parents who want unique technological benefits, a 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.

Our Rating Methodology

The This Old House Reviews team is 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.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.