FIGO Pet Insurance Review & Prices

FIGO Pet Insurance Review

Overall Rating 4.5 / 5

five star review
  • Affordable Premiums
    • For dogs – starting at $29
    • For cats – starting at $16
  • Customizable Plans
    • Deductibles: $100 to $1,500
    • Reimbursement rates: 70%, 80%, 90%, or 100%
    • Annual coverage limits: Essential – $5,000, Preferred – $10,000, Ultimate – Unlimited
  • Comprehensive Coverage
    • Accidents and illnesses plans
    • Routine Care Add-On available (“Wellness-Plus Powerups”)
    • Additional coverage options like Extra Care packs

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About Figo Pet Insurance 🌟

Figo Pet Insurance is a leading player in the pet insurance industry, renowned for its innovative approach and technology-driven solutions. Offering a range of customizable plans, Figo prioritizes flexibility and comprehensive coverage, ensuring pets receive the best possible care.

Key Highlights
Figo offers three tiers of accident-and-illness plans, providing varied levels of annual coverage. Unique to Figo is the ability to customize deductibles, reimbursement rates, and add-ons, allowing pet owners to tailor their coverage to their specific needs. Figo’s plans are known for covering a wide array of medical conditions and treatments, including hereditary and congenital conditions, chronic illnesses, cancer treatments, and alternative therapies.

Why Choose Figo?
Choosing Figo means opting for a pet insurance provider that integrates modern technology with pet care. The Figo Pet Cloud app enhances the customer experience, offering easy claim filing, policy management, and a platform to connect with fellow pet owners. With no maximum age limit for enrollment and optional 100% reimbursement rates, Figo stands out as a flexible and inclusive option for pet insurance.

Commitment to Pet Health
Figo is not just an insurance provider; it’s a partner in pet health. With a focus on quick claim reimbursements and a variety of coverage options, Figo aims to reduce the stress of veterinary expenses. This commitment ensures that pet owners can make the best healthcare decisions for their pets without financial constraints.

Figo Pet Insurance Plans and Coverage🛡️

Explore Figo’s innovative and flexible pet insurance options to provide comprehensive care for your cherished dogs and cats.

Accidents and Illness Plans
Figo’s Accident and Illness plans offer a range of customizable options, allowing you to choose deductibles, reimbursement rates, and annual coverage limits that suit your pet’s needs. These plans cover various medical conditions and treatments, including hereditary and congenital conditions, chronic illnesses, cancer treatments, and alternative therapies.

Routine Care Add-On
With Figo’s optional “Wellness-Plus Powerups,” you can effectively manage your pet’s routine care expenses. This add-on provides coverage for wellness exams, vaccinations, spay/neuter procedures, dental treatments, and more, helping you proactively maintain your pet’s health.

Additional Coverage Options
Figo enhances its plans with additional riders, such as Extra Care packs, which include coverage for office visits and exam fees, rehabilitation and physical therapy, holistic and alternative treatments, and other unique care options.

Waiting Periods and Coverage Specifics
Figo implements a 1-day waiting period for accidents (3 days in certain states) and 14 days for illnesses. Orthopedic conditions, cruciate ligament injuries, and hip dysplasia in dogs have a 6-month waiting period. Pre-existing conditions are not covered unless symptom- and treatment-free for 12 months. Figo’s innovative approach includes a mobile app for easy claim filing and policy management, ensuring a seamless insurance experience for pet owners.

Figo Pet Insurance Cost 💵

The cost of Figo Pet Insurance varies based on factors such as your pet’s age, breed, location, and the coverage options you choose. Here’s an overview of the average monthly premiums and additional costs:
Average Monthly Premiums:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $29
Cat Accident & Illness $17

Additional Costs and Fees:

  • Monthly Payment Processing Fee: $2.00

Customization Options:
Adjust your plan based on the following criteria to influence the overall cost:

  • Annual Deductible: Options range from $100 to $1,500.
  • Reimbursement Rate: Choose from 70%, 80%, 90%, or 100% reimbursement.
  • Annual Coverage Limit: Select from $5,000, $10,000, or Unlimited.

Factors Influencing Cost:
Consider the following elements that can affect your premium:

  1. Breed and Age: Specific breeds and older pets can have higher premiums.
  2. Location: Regional differences in veterinary costs may impact premiums.
  3. Coverage Level: Opting for higher coverage limits can result in increased premiums.

Discounts and Savings:
Figo provides opportunities for discounts, which can help reduce your costs:

  • Multi-Pet Discount: A discount for insuring multiple pets with Figo.
  • Diminishing Deductible Feature: Your deductible decreases annually if no claims are filed.

Frequently Asked Questions❓🙋

Does Figo pet insurance cover genetic and breed-specific conditions?

Yes, Figo covers genetic and breed-specific conditions as long as they are not pre-existing and occur after the policy’s effective date.

How does Figo handle chronic illnesses?

Chronic illnesses are covered under Figo’s Accident and Illness plans, provided they are not pre-existing and develop after the policy begins.

Can I cancel my Figo pet insurance policy at any time?

You can cancel your Figo policy at any time. If you cancel within the first 30 days and haven’t filed any claims, you may be eligible for a full refund.

What types of plans does Figo pet insurance offer?

Figo offers three main types of plans: Essential, Preferred, and Ultimate, with varying annual coverage limits.

Can I customize my Figo pet insurance plan?

Yes, you can customize your plan by choosing different deductibles ($100 to $1,500), reimbursement rates (70%, 80%, 90%, or 100%), and coverage limits (from $5,000 to Unlimited).

What is covered under Figo's Accident and Illness plans?

Figo offers a “Wellness-Plus Powerups” add-on for routine care expenses like wellness exams, vaccinations, and dental treatments.

Are there any age restrictions for enrolling in Figo pet insurance?

Pets need to be at least 8 weeks old to enroll. There is no upper age limit for coverage.

What is the waiting period for Figo pet insurance coverage to start?

The waiting period is 1 day for accidents (3 days in certain states) and 14 days for illnesses. Orthopedic conditions have a 6-month waiting period.

Can I visit any vet with Figo pet insurance?

Figo allows you to visit any licensed veterinarian worldwide.

How much does Figo pet insurance cost?

The cost starts at around $1.50 per day for both dogs and cats, varying based on breed, age, location, and chosen coverage.

Is there a mobile app available for Figo pet insurance?

Yes, Figo offers a Pet Cloud app for easy management of your policy, claim filing, and connecting with other pet owners.

Figo Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Figo. Read testimonials to explore their experiences with this trusted pet insurance, from Forbes, MarketWatch, Nerdwallet, and so on.


Figo’s wide variety of options for coverage, reimbursement and deductible can help you work within your budget. It has a short 1-day waiting period for accident coverage. When buying a Figo, you have the option to add several coverage types.

four star review

CBS News

If you’re looking to insure your dog or cat and want a company that seems to be tech-friendly, Figo could be a good choice. This company offers accident and illness plans and several add-ons for wellness coverage or ancillary services like covering some burial costs.

CBS News
four star review


Figo earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

five star review


Figo Pet Insurance provides technology-based pet insurance to fit every lifestyle. The company offers three customizable plans and three powerup add-ons designed to cover your pet in even the most unique life circumstances. 

star reviews 4.5

Pawlicy Advisor

Originally founded in 2013, Figo was named the largest independent pet insurance company in 2020. Its policies are underwritten by Independence American Insurance Company and Markel American Insurance Company.

Pawlicy Advisor
four star review


Figo’s covers cats and dogs. The insurer is No. 8 in our Best Pet Insurance  rating of 2023. According to its website, 88% of Figo’s staff are pet owners, and it markets as being “designed by pet people.”


US News
three and half starts


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