Figo Pet Insurance Review (2023)

Figo Pet Insurance Review

Figo was founded in 2013 out of Chicago, IL. Its policies are underwritten by the Independence American Insurance Company, based out of Delaware. Figo is a member of NAPHIA, the North American Pet Health Insurance Association, a governing organization for pet insurance companies across the U.S. and Canada.

In this comprehensive Figo pet insurance review, we will give you all the information you need to make an informed decision about purchasing a policy with the company. Some of the factors we cover in this article include:

  • Plans
  • Costs
  • Limits
  • Deductibles
  • Exclusions
  • Discounts
  • Customization Options 
  • Reviews

Our Review for Figo Pet Insurance 

Figo is an excellent option for those shopping for pet insurance providers that offer an app and different levels of coverage. Figo currently offers three levels of coverage: Essential, Preferred, and Ultimate, and each plan has its unique advantages and disadvantages. 

Before we continue, below are some of the pros and cons of this well-known pet insurance company.

Pros and Cons of Figo Pet Insurance 


  • 30-day money-back guarantee
  • Pet Cloud app with 24/7 live vet access
  • No upper age limit
  • File claims within the app
  • 5% multi-pet discount


  • $15 administration fee in some states
  • Standard plan doesn’t pay exam fees
  • Premiums increase as your pet gets older

Figo Pet Insurance Plans and Coverage 

Our review will cover the details of coverage options available through Figo. This includes the details of the Essential, Preferred, and Ultimate plans, wellness add-ons, and costs.

Plans and Costs 

Figo offers three different levels of plans:

The Essential Plan

  • Deductible options range from $100 to $750
  • Annual maximum of $5,000
  • Reimbursement options from 70% to 100%
  • Lifetime maximum of $100,000

The Preferred Plan

  • Deductible options range from $100 to $750
  • Reimbursement options from 70% to 100%
  • Annual maximum of $10,000
  • Lifetime maximum of $150,000

The Unlimited Plan

  • Deductible options range from $100 to $750
  • Reimbursement options from 70% to 100%
  • Unlimited annual benefits
  • Unlimited lifetime maximum

The Essential plan is the most basic and will provide adequate coverage for overall healthy pets. If you would like a bit more wiggle room in your coverage, the Preferred plan is the way to go. It is the most popular plan among pet owners. The Unlimited Plan is its top-tier pet insurance plan with no annual or lifetime maximum.

While the cost will vary based on location, breed, age, and species, the average cost for a dog is $22.15 per month, and the average for cats comes in at $23.50 per month. 

When it comes to what is covered with Figo, the company covers a wide variety of services and illnesses, including:

  • Hip Dysplasia
  • Rehabilitation
  • Mobility Devices
  • Surgeries
  • Prescription Medications
  • Prescription Food
  • Veterinary Specialist Treatments
  • Imaging
  • Hospitalization
  • Cancer
  • Hereditary and congenital conditions
  • Torn ACL

As most pet insurance plans do, Figo has some waiting periods. The thing that sets Figo apart is its short accident waiting period. Figo has only a one-day waiting period for accidents. The waiting period for illness is 14 days and six months for issues like hip dysplasia, knee injuries, and orthopedic conditions.

Samples of Prices for Four Species/Breeds

To give you a better idea of what you can expect to pay, below is a sample of some common breeds and the estimated costs with the Essential plan. These are based on 3-year-old female dogs and 3-year-old female cats in Orange County, CA, with a $500 deductible, $5,000 annual limit, and a 90% reimbursement rate.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $33.23 $55.76 $24.18 $24.18
Accident and Illness Plan With Wellness Add-on of $250/yr $42.73 $65.26 $33.68 $33.68
Accident and Illness Plan With Vet Fees and Physical Therapy Coverage $49.52 $76.64 $38.62 $38.62


Figo shines in its variety of deductible choices. Depending on your pet’s age, deductibles range from $100 to $750. There are even options for higher deductibles if you have older dogs; for example, pets over 10 years old can be covered with deductibles ranging between $500 and $1,500.

The choices in deductible amounts give pet owners more control over their monthly premiums, making pet insurance more affordable and manageable for those with tight budgets.

Preventative Care Limits 

Preventive care is not included in Figo’s plans. However, Figo offers a pet wellness plan add-on that it refers to as a “Powerup” It will cover the fees from certain preventative and wellness services like:

  • Blood work
  • Vaccinations
  • Heartworm Prevention
  • Spaying/Neutering

It offers two tiers for the add-on, Basic and Plus. The Basic plan will cost (on average) an additional $5.50 per month, and the Plus is $9.50 (on average) per month. 

The chart below shows examples of the Plus tier limits.

Covered Item Annual Limit
Wellness Exam $40
Heartworm Test $45
Internal Parasite or Fecal Test $45
Blood work $45
Three Vaccines $50
Total  $250

Coverage Exclusions 

Just like any pet insurance company, Figo has some items that aren’t included in its plans. Keep in mind some of these might be covered with an add-on package but not in the policy itself. 

Some of the exclusions include:

  • Preventative Dental
  • Spaying Or Neutering
  • Pre-existing Conditions
  • Prescription Food 
  • Supplements
  • Cosmetic Surgery
  • Experimental Services
  • Breeding and Birth Expenses
  • Obedience Training

Plan Customizations 

The add-on options Figo offers are referred to as Powerups. Figo has three different powerup options:

  • Veterinary Exam Fees for Accident and Illness
  • Extra Care Pack
  • Wellness

Veterinary Exam Fees for Accident and Illness

This powerup will cover fees associated with exams and consultations that are required to diagnose or treat your pet’s illness or injury. Keep in mind that this does not cover exam fees charged for routine, wellness, and preventative checkups.

Extra Care Pack

This coverage will reimburse you for costs such as:

  • Boarding costs
  • Pet emergency vacation cancellation fees
  • Ads and rewards for lost pets
  • Cremation and burial costs up to $250
  • Up to $10,000 of property damage


The wellness plan covers expenses such as:

  • Vaccinations
  • Blood work
  • Wellness Exams
  • Heartworm Prevention


Figo doesn’t advertise any discounts on its website, but it does have a 5% multi-pet discount. Additionally, if you’re looking for other ways to save money with Figo, it offers the option to waive the monthly processing fee of $2 if you choose an annual payment plan. This is a savings of 5% of the total annual cost. 

Figo also offers a 30-day money-back guarantee if you cancel within that period. However, the refund is only valid if no claims have been filed.

Special Offering — Pet GPS

Figo partners with other companies to bring its pet owners the latest in pet technology. It has a GPS pet collar so you can track your pet wherever it is. This is great for a roaming cat or a dog that has a dog walker while you are at work. You can always know what your pets are getting into.

Figo State Availability 

Some insurance policies are only available in certain states based on insurance laws. Luckily, Figo is available in all 50 states and the District of Columbia.


Figo Pet Insurance Reviews

Before we dive into the reviews, keep in mind that at 365 Pet Insurance, we want to provide an unbiased opinion for each pet insurance company. To do this, we will share some positive and negative reviews from online sites such as Trustpilot, BBB, Google, and Yelp.

Also, Figo changed underwriters in late 2019 and again in 2020, so some of the older reviews might be based on older versions of the policy. 

Figo has a solid 4.0 on Trustpilot, a 3.0 on Google Reviews, a 4.1/5 from Consumer Affairs, a 3.0 on Yelp, and a 1.17/5 on the BBB website

Here are some customer reviews:


“I have had a wonderful experience with FIGO thus far. My dog was sick and needed blood work, X-rays, follow up visits, medication, etc. once the deductible was met, they paid almost everything. It took a couple of weeks to get my reimbursement but I thought it was fairly timely. The only reason I gave 4 stars was because of this and because I have really only had one experience with them at this point. I would definitely recommend FIGO. This insurance saved me a lot of out of pocket expense with just one illness. We never found out what was wrong, but it waded up quickly and was a very high vet bill!” —Dan C., Trustpilot

“I should have gotten this years ago. After paying thousands of dollars for chemotherapy for one of my dogs, I decided to get Figo on my other two dogs. I haven’t had to file any expensive claims yet, but I know anything can happen no matter how well I take care of my fur-babies. I feel better knowing that if I ever need to take another dog to chemotherapy, it will be covered.” —Char, Trustpilot

“We love Figo! Our 90 lb GSD, Zigi, was a puppy mill rescue, and we’ve learned that anything that can go wrong with his health seems to. He has had multiple surgeries – some major, some not – most of which can be chalked up to a poor immune system, and Figo has been a bit of a savior for us. It’s stressful and heartbreaking enough when your dog gets hurt or is sick, but knowing the financial burden is going to be much less with Figo takes that part of the stress away. We are very grateful.” —Annie, Trustpilot


“I have gotten nothing from Figo (not even a dime toward my deductible) except a portable water bowl & a 25% increase in the rate for a two-year-old dog. Very disappointed. Figo is all show & no substance. Disappointed.” —Consumer, Trustpilot

Final Thoughts

Insurance can help negate the costs of a pet emergency. Figo is a good option for those pet owners looking to invest in pet insurance. Figo offers options including up to 100% reimbursement and deductibles as low as $100 per year. Furthermore, Figo has no upper age limit, a multi-pet discount, a mobile app, and three levels of coverage to choose from. 

Figo might be a bit pricier than other companies, but with 100% reimbursement, it can pay for itself. The Figo pet insurance reviews also give you an idea of what to expect. Most customers are satisfied, but some are unhappy with the change in underwriters, making the company more expensive. 

Figo vs. Competitors

Figo is one of many pet insurance options in the United States. To give you a good idea of how Figo stacks up to the competition, we have created a table that will give you the average cost for cats and dogs, waiting periods, discounts, if the company has a mobile app, and the BBB rating.

Factors Figo Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.2/5 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $22.15  $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $23.50  $18-$25 $15 $15-$20 $12 $29
Waiting Period 1 day for injuries, 14 for illness 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  5% 10% off 5% off 10% off No 10% off
Mobile App  Yes Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes Yes No Yes
Online Chat  Yes No Yes Yes No Yes
BBB Rating B A F A+ A- N/A

About Figo Pet Insurance

Figo is based out of Chicago, IL, and was founded in 2013 by Rusty Sproat, the company’s CEO & Founder. The company prides itself on being a cloud-based pet insurance services provider committed to assisting pets and their families in living their lives together. The company’s platform integrates comprehensive insurance coverage with customizable healthcare packages, socially connects pet owners, and offers geo-targeted services, enabling customers to monitor the health of their pets effortlessly.

It’s one of the only pet insurance companies that offers a 100% reimbursement option. Additionally, it’s recently added wellness package options to help it compete with other pet insurance providers.

Frequently Asked Questions

What are the advantages of Figo’s pet insurance?

Figo pet insurance has a range of deductibles to meet everyone’s needs. The company also has a mobile app it calls the Pet Cloud app that allows you to access 24/7 vet chat and file a claim with ease. It can even remind you of upcoming appointments and recommend popular pet-friendly locations near you. 

Lastly, Figo offers a diminishing deductible that will decrease by $50 every year no claim is filed.

How do I file a claim with Figo?

Figo offers a couple of ways to file a claim electronically through its app or email and over the phone or fax. 

To file a mobile app claim:

  • Log into the app
  • Select the claims option and answer the prompted questions
  • Upload a copy of your paid invoice
  • Have a copy of pet records sent over

To file a claim by phone, fax, or email:

  • Call customer support 
  • Download and email form from Figo’s website to 
  • Fax the form 

Figo will need your vet to send the last two years of medical records to process your claim. Figo’s goal is to process all claims within 7 to 10 business days, but claims may take up to 30 days to process.

Does Figo offer exotic pet insurance? 

No, like most pet insurance companies, Figo only covers dogs and cats under its policies. 

What is Figo’s waiting period?

A waiting period is the time between the purchase of a policy and when it will go into effect. Each company will have different guidelines regarding waiting periods. Figo has a one-day waiting period for accidents, 14 days for illnesses, and six months for more severe issues like:

  • Cruciate Ligament Injuries
  • Luxating Patellas
  • Portosystemic Shunts
  • Elbow Dysplasia
  • Hip Dysplasia
  • Osteochondritis Dissecans
  • Cardiovascular Defect

Sometimes these can be waived with an exam and form submitted from the vet’s office.

How does Figo’s deductible work?

Figo offers customizable deductibles starting at $100 and going up to $1,500 based on your pet’s age, breed, and health. The deductible is the amount you must pay before the insurance kicks in. Keep in mind that the lower your deductible is, the higher your monthly premium will be and vice versa. Figo also offers a diminishing deductible program where your deductible will go down $50 every year that you don’t file a claim on the policy.

Can I insure my pet twice?

While you can technically insure the same pet with two different policies, it is not recommended. If the insurance company finds out, it can cancel your policy. Also, it is illegal to file a claim with two different companies for the same service. If you choose to have two insurance plans, ensure your policies fill any coverage gaps you may have. For example, one has wellness coverage while the other doesn’t. You can have two plans but only use one at a time.

Does Figo cover dental?

No, Figo does not cover teeth cleaning. At this time, there is no wellness benefit option under Figo Pet Insurance. The company does not cover gingivitis or progressive periodontal disease caused by the accumulation of tartar, but it will cover reconstruction or removal of teeth if the injury is a result of an accident.

Does Figo cover vaccinations?

Figo will provide some coverage for vaccinations, as it has recently added a wellness benefit.

Does Figo cover spay and neuter?

Figo covers spay and neuter under its new wellness benefit.

Does Figo cover prescription food?

Figo covers up to $250 annually of prescription food with its new wellness add-on.

Does Figo cover hip dysplasia?

Figo does cover hip dysplasia so long as it is not considered a pre-existing condition. However, this condition may be affected by specific sub limits in the policy, so be sure to read the fine print if you have a breed that is susceptible to this condition.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.

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