Figo Pet Insurance Review: Is It The Best Value?

To sustain this free service, we receive affiliate commissions via some of our links. This doesn’t affect rankings. Our review process.

Dog laying on bed (Caption: FIGO Pet Insurance Review)Figo is consistently among the middle of the pack price-wise for pet insurance providers based on reader feedback and our own test quotes. But does it offer similar coverage as some of the more costly pet insurance companies? Will Figo cover accidents and illnesses for your pet during an emergency?

Visit Figo’s Website

Article Overview

Figo Pet Insurance

4.5 / 5
Figo Pet Insurance
Policy Coverage 4.5
Customer Service & Reputation 4.0
Timeliness of Claim Repayment 4.8
Policy Price 4.8


  • Annual deductible (not per incident)
  • BBB rating: B+
  • Claims are typically paid within 5-7 business days
  • Vet exam fee can be covered for an additional cost
  • App available to support claims via iOS and Android
  • 10% multi-pet discount
  • Your pet is covered when they travel with you in the U.S., Canada and Puerto Rico


  • 6-month waiting period for knees (waived if vet exam during first 30 days shows no pre-existing knee conditions)
  • 5-day waiting period for accidents and 14-day for illnesses
  • If there is a knee injury prior to enrollment or during the 6-month waiting period, Figo only covers CCL (ACL) on a second leg if the first leg remains healed for 12 months
  • One-time $9 admin fee + $2/mo or $10/annual fee (waived if ACH setup w/bank)
  • No wellness plan

Key Features

Figo App Screenshots

  • Underwriter: Independence American Insurance Company
  • The first exam after the effective policy date will be used as a baseline
  • Bilateral exclusions (a condition or disease that affects both sides of the body): luxating patellas, cruciate ligament tears or ruptures, cataracts, glaucoma, cherry eye, entropion, ectropion, hip dysplasia, elbow dysplasia and osteochondritis dissecans
  • Processes a majority of claims within 5-7 business days (closes nearly half in 24 hours), and you can submit them via app, fax, email or mail
  • Direct deposit reimbursement is available
  • Pet Cloud app reminds you of upcoming vet appointments, gives you popular pet places around you, 24/7 live vet video chat, file a claim, meet pets near you and more

Pre-Existing Conditions

Defined by Figo as:

Claims for Accident or Illness to the Pet(s) that occur or manifest, whether treated or not, prior to the effective date of the Policy or during the waiting period.

Customer Service HoursFigo Waiting Period Chart

  • Phone, text, chat, email, fax, Facebook Messenger or Twitter: Monday – Friday 8am to 7pm CST and Saturday 8am to 6pm CST
  • Text only: Sunday 11am to 3pm CST

Waiting Periods

What Does Figo Cover?

Services included are not limited to this list and are subject to change.

CoveredNot Covered
Vet exam fee (optional)Pre-existing conditions
Emergency and hospitalizationRoutine or preventative care
SurgerySpaying or neutering
Hereditary and congenital conditionsTraining classes and devices
Prescription medicationGrooming
Cancer treatmentBreeding, pregnancy or giving birth
Specialty careEating disorders
Chronic conditions
X-rays, MRI's, cat scans, ultrasounds, bloodwork
Ligament and knee conditions (after 1 year waiting period)
Hip dysplasia (after 1 year waiting period)
Rehabilitation (optional)
Prosthetic and orthotic devices
Physical therapy (optional)
Holistic and alternative therapies (optional)
Stem cell therapy
Non-routine dental (limited to being related to accidents only)
Costs of euthanasia
Behavioral therapy

Dog in wheelchair on beach: Canine Hip DysplasiaDoes Figo Cover Hip Dysplasia?

Hip dysplasia that first shows signs/symptoms after the 14-day waiting period for illness may be eligible for coverage. Most new policies have a  1-year waiting period from the policy effective date before coverage becomes available.

How Much Does Figo Cost?

Figo offers a variety of deductible options ($100, $200, $250, $500, $750, $1,000 and $1,500) as well as reimbursement selections (60%, 65%, 70%, 80%, 90% and 100%). Figo is the only provider we’ve reviewed to offer a 100% reimbursement option. Please know that all of the deductible and reimbursement options are not available in every state.

Below is a table showing examples of quotes from Figo. You can put your pet’s information directly into its site to get a better estimate for your pet (use our link below for the best discount).

BreedLabrador RetrieverEnglish Cocker SpanielGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age2 years8 years4 years6 years2 months2 months2 years
(zip code: 33134)
(zip code: 60290)
(zip code: 90001)
New York
(zip code: 10001)
New York
(zip code: 10001)
(zip code: 60290)
Washington D.C.
(zip code: 20001)
Price Per Month$62.09$68.68$64.85$67.06$43.16$29.18$23.48
Reimbursement Level80%70%90%80%80%80%80%
Annual Deductible$250$500$500$250$250$250$250
Annual LimitUnlimitedUnlimited$10,000$10,000$10,000$10,000Unlimited

You can get personalized price quotes for your pet(s) from reputable companies when you fill out just 1 short form. You can also visit our pet insurance quotes page to see how the cost of Figo stacks up against the competition.


Our readers have access to an exclusive 5% off a new FIGO pet insurance policy -just use this link to get started.

Reimbursement Story

Golden Retriever on boat

  • Dog: Dealer, 6-year-old Golden Retriever
  • Diagnosis: Cancer – Soft Tissue Sarcoma
  • Pet Parent: Mary Schuenemann, Illinois

My 6 year old Golden Retriever, Dealer, was diagnosed with a lump on his front leg in October 2018. He underwent a surgery to remove the lump. Once it was sent for further testing, it was discovered that it was Soft Tissue Sarcoma. My home vet unfortunately could not get clean lines, so I brought him to the University of Wisconsin Vet School for a second opinion. They recommended another surgery and this time all lines were clean. The best feeling ever!!! Figo paid 90% of the bill, of which, I am grateful. He is currently in remission!! Dealer is also part of the Morris’s Golden Retriever Lifetime Study. Thank you Figo for letting me give my dog the best care and helping save his life!!!

  • Treatment Cost: Approximately $3,000
  • Reimbursement: Approximately $2,700 (90%)

What Do People Think Of Figo?

Positive Reviews

The tides have turned! Both Kodi and Kiki have now benefited from the updated Figo. The new app process of submission gives a result in about 3 days. Kiki got into some Lily plants and was rushed to the ER. She had a 48 hour stay on fluids and many tests and thankfully turned out for the best. Figo covered the entire visit. Kodi was coughing and we took him in for a checkup. After an x-ray we located fluid in his chest. It was drained and analyzed. We are still awaiting final diagnosis for cause and treatment, but Figo covered the entire visit. Very satisfied with the new Figo! Kodi and Kiki thank you! – Dan M., Yelp 11/15/2019

This is the easiest most wonderful insurance experience I have ever had. The website is super simple to use and the staff at Figo are very helpful. Figo is an honest company that really wants to help. I wish human insurance was this reliable. – Elizabeth R., TrustPilot 11/22/2019

Negative Reviews

$900 lesson learned….. I communicated through the app to cancel the pet insurance last March when I was notified of the increase, or so I thought. My fault for not checking my statements more closely — but my account was never closed and my “auto enroll increase” processed too. No claims made— paying for pet insurance — biggest waste of my money. They have no record of my request to cancel and complaints of the increase cost. – Tricia G., Yelp 12/2/2019

I paid 10K over two years to insure my 5 pets. When my Chihuahua tore her ACL, and it cost me 15K for surgeries, they categorized the tear as PREEXISTING because she had a misalignment of her knee. I guess everything is preexisting if you stretch the analysis far enough. They did the same for all of my pets. They work hard to find a way to not pay ANYTHING. Don’t waste your money. – Karena R., TrustPilot 11/17/2019

Is Figo The Best Pet Insurance?

Visit Figo’s Website

Figo is less expensive than some pet insurance companies, and it offers comparable coverage to other top pet insurance companies. We’ve compared Figo against other top pet insurance companies and ranked our top 3 in our pet insurance reviews. You can see if Figo made our top picks and which companies we feel are the best.

Would you cover your pet with Figo pet insurance?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories and more. Her natural curiosity helps her research as she seeks the truth when learning about, comparing and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs.

Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child. In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly's research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today.

One of Kimberly's favorite pastimes is spoiling Sally with new toys, comfy beds and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs, and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

Leave a Reply

newest oldest most voted
Notify of
Jamie Currid
A COMPLETE SCAM!!!!!! My policy for my dog began in April 2019. In September 2019 she started to show signs of knee pain. Obviously I took her to the vet to be looked at. We tried some non-invasive options, but ultimately my sweet girl had to have ACL surgery in Jan 2020. We are currently 11 weeks into the 12 week recovery period, so I decided to submit the claim. I was told today that Figo will cover ZERO of her $4000 medical bills. Why??? Because her knee trouble was documented FIVE MONTHS AFTER the start of our insurance policy, and evidently Figo has a SIX MONTH WAIT PERIOD. They consider her knee issue a “pre-existing condition” because it fell within the first six months of coverage. For $60/month for almost a year and ZERO reimbursement…Um, yeah, I’d say it’s a scam!!! I have been a dog mom and involved in animal rescue for many years – and I know animal compassion when I see it. FIGO IS NOT ANIMAL COMPASSION!!!! Find a real company who will help you take care of your fur babies!!! Shame on these people!!!
June Lehmann
Sadly, I had to drop Figo……after filing one claim for an ear infection, I got a notice at the time of our renewal, that our monthly rates doubled….Have to say, they were wonderful in communication……but I was not happy with this bait and switch…sorry Figo..we had to go elsewhere!
Jessica Stalcup
My 8.5 year old Vizsla contracted Pneumonia, very unexpected! With Figo Insurance, $1300 was reimbursed out of a combined total of 3 visits, and $2,000. They were very prompt and helpful! Thank you Figo!
I am so grateful to Figo insurance. Clarabelle had an unexpected emergency surgery summer 2019 and because of Figo, I didn’t have to worry about the financial burden that this could have been on a tight budget. Figo quickly covered their 70% and the money was deposited straight into our bank account. Clarabelle got the care that she needed and I got to spend time caring for her and not worrying about how I would afford her treatment. I literally cried tears of joy and relief when I called to make sure her treatment would be covered and the agent assured me it would be covered and I didn’t need to worry. Thank you Figo.
Steve Hamby
Our golden doodle, Bazinga, was recently diagnosed with a tumor during her wellness exam. We took her to see a specialist and they did ultra sound to confirm the prognosis. She then had exploratory surgery to remove the tumor. Thank goodness it was benign. Figo received the claim on Friday and it was approved on Monday. Very quick service. They covered everything and my out of pocket was very reasonable. I researched Figo insurance and they get very high ratings! Thank you, Figo.
I have had an absolutely FABULOUS experience with Figo. About a month or two after I signed up my 11 year old dog developed a serious health issue which has evolved into a couple of different things. Figo has paid every one of my claims quickly and with no argument. I had originally signed up with Trupanion but hated the per incident deductible and the fact that they don’t pay exam fees so I switched to Figo and I’m so glad I did!! I’ve done the math and Figo has reimbursed me about $6000. With Trupanions per condition deductible they would have paid me $1200! Plus exam fees are huge when we are seeing specialists and with ER visits where these fees can be $100-250 each. I recommend them to everyone!
Megan D
I got this insurance a couple years ago when I was paying a lot for several minor visits to the vet. Then my dog didn’t really have any issues for a while so I forgot I had it. Luckily I Finally remembered this year after she had been going to the vet more frequently. I was able to submit several claims for the year In one take and the accept most of the charges after I met my deductible. I’m very thankful that I was able to get a good chunk back so I don’t feel so stressed when I have to take my pups for more tests.
Rick L
I am so ashamed of myself for signing up for this pet insurance. I have been paying on my policy for almost a year. I needed to file a claim for my cat as she was throwing up. I took her to the vet hospital they really did not find anything wrong with her. They did give her some medicine as they felt she may be having a problem with defecating. My cat had this problem around 3 years ago but the vet did not find anything that was causing this. She said she may have eaten something that caused this. Of course, when I submitted my claim to FIGO they denied it as they stated that this was a precondition that was not covered. My total vet bill was $932. I agreed to the additional testing as I thought I was covered under this insurance plan. Big mistake!!!! When I called the lady would not provide me the legal address to provide to my attorney nor would she provide me anyone else to speak with. She stated that she was the only person in the office. I asked to speak with her manager and of course, they were not available. This is a typical insurance response when they do not want to payout. She kept tel me that they do payout for services and recently paid a $20,000 claim. HA HA HA, what was that the one claim for the year and this has been added to your script to defuse customers? Cats get sick and mine does about every 6 months or so but it passes. Their response was as follows: “Cat has a history of intermittent vomiting and constipation over the last 2 years. She has episodes about every 6 months where she will be straining to defecate and will produce either nothing or large dry fecal balls. She always vomits and cries during the days when she is sick.
Chronic intermittent vomiting, constipation, anorexia, +/- diarrhea” But this is not covered as they consider this as a precondition prior to taking out my policy. Again, they have no intention of paying anything out and they expect their payment every month on time. Think the only way you could get a claim is that it has to be a newborn with no problems and then maybe they will payout something but like most insurance companies they will find a loophole. Please I beg you not to make the same mistake I did. I am so ashamed and embarrassed I allowed myself to be taken advantage of.
Figo Customer Experience
Hi Rick,
We hope Ming is recovering well at home from this recent trip to the ER. We’re sorry the claim outcome was not as expected. While we wish we could cover all claims, like most pet insurance carriers, we cannot cover pre-existing conditions.

Per our policy, a pre-existing condition is any condition that has shown signs/symptoms before the start of the Figo policy or during the waiting periods. Based on the medical records received from Ming’s veterinarian, also mentioned in your review, Ming “has a history of intermittent vomiting and constipation over the last 2 years.” This indicates that Ming has been experiencing recurring signs/symptoms of vomiting and constipation that have never resolved, making it a pre-existing condition.

We insure a lot of pets from old to young, and many that already have pre-existing conditions, such as Ming. Those pet parents opt into pet insurance for coverage for any other new major illnesses/injuries that may come up over their pet’s lifetime, while understanding that any conditions already present would not be eligible under the policy.

We’re more than happy to review Ming’s medical history to provide more insight into any other medical conditions that may fall under the pre-existing category.

We understand that you are not satisfied with the claim outcome and if interested you can always appeal a claims decision. A customer experience supervisor will be reaching out soon to review the appeals process. We’re sending best wishes for Ming, we hope her vomiting and constipation episodes resolve soon.

Figo Customer Experience Team

Guido Stucco
I absolutely love Figo. They have provided excellent coverage for my Golden Retriever Luke, and reimbursement checks come in after a week. Thank you Figo!!
Kim Davis
Run, run, run…FIGO is horrible! They find a way to deny everything, and I mean EVERYTHING. You cannot speak to an underwriter, they ask for very minimal information so your not sure what they need or want. They denied my pets pain medication after dental surgery stating it was for Arthritis while my dog has never been seen, evaluated for or diagnosed with arthritis. They denied my pets entire dental diseas claim (resporptive lesions). They do not distingush between Diagnositc testing and routine testing – to them – it’s all the same. If your pet is found to have an illness/disease while undergoing treatment for a non-covered item, guess what – it’s not covered. Yup- not covered. Spend more for a better policy with a company that has been around longer!!!
Figo Customer Experience
Hi Kim,

Thanks so much for reaching out, we’re sorry to hear 2019 was not a good year for Ernie. However, we are glad to see he has been able to reap the benefits of having a responsible pet parent that got him insured with Figo!

We do see the majority of Ernie’s claims were covered and reimbursed according to his policy. We understand there are some concerns with certain items that were not eligible for coverage. Please feel free to give us call, a knowledgeable member of our claims support team can provide clarity on how coverage was determined for all of Ernie’s claims.

We hope Ernie is doing well this year, thanks for allowing Figo to protect him!

Best Regards,
Figo Customer Experience

Rene St. Johns
IFigo is a rip-off! I have been a customer for two years and NOTHING has been covered! They would not pay me until I pay my vet bill IN FULL no matter haw large the bill. And they have successfully managed to find a way to judge EVERY claim as a pre existing condition or otherwise not covered. I have paid at least $ 1400.00 in premiums and gotten absolutely NOTHING in return. I could have banked that money and not had to jump through all of iFigos hoops and paperwork and STILL had money left after paying my vet bills out of pocket. Run do not walk away from IFigo!!
Figo Customer Experience
Hi there!

We’re sorry if we provided an experience that did not meet your expectations. We’re always looking to improve, and when you have a moment, please feel free to give us a call. One of our customer experience supervisors would be more than happy to speak with you.

That being said, we would like to take this time to go over how Figo works, what is eligible under our plans, and additional options that can be taken after a claims decision has been made.

Like most pet insurance companies, our plans are based on a reimbursement method. This allows our customers to bring their pets to any licensed vet in the United States, Canada or Puerto Rico. So if there is ever an emergency, they don’t have to worry about finding an “in-network” vet!

Pet insurance is meant as a proactive option, to help prepare pet parents for those unexpected expenses. There are a lot of different payment options our current customers utilize to help with those upfront costs. Some customers choose to open a Care Credit account which they can then pay with their Figo reimbursement. Keep in mind we do try to get our claims closed as quickly as possible, with 50% of our claims processed within 24hrs!

We are sorry to hear that your pet has had some medical conditions in the past. Like most pet insurance carriers, we are not able to cover pre-existing conditions. A pre-existing condition is anything that showed signs or symptoms before the start of the policy or within our initial waiting periods.

However, if a customer ever feels a claim should have been processed differently you’re always welcome to file an appeal within 90-days from when the claim is closed. You may request a review of any claim decision by sending a request to Please explain your reasons for believing the claim should have been processed differently, and include any new additional medical information (medical notes, letter from veterinarian, etc.) that will aid in the claims appeal process.

We look forward to speaking with you to provide a better Figo experience for you and your pet!

Best regards,
Figo Customer Experience

Michael Win
Policy Holder: FGO10000068866

I’ve had a terrible experience with Figo. It came highly recommended through a friend so I signed up and became a member in mid 2018.

During Christmas 2019, my dog, who had been perfectly healthy all her life throughout all her vet visits, started coughing strangely and we found specks of blood on her snout. We quickly took her to the vet and had the clinic send the insurance claim for the veterinary bills.

The whole process took over 2 weeks with Figo closing, re-opening my claim, disappearing for days and requesting more and more my pet’s previous records since her birth..
I managed to send them all the records from vets we had visited which clearly shows that *Karlie had no know issues.*

And once all seems to be set, all my claims were denied and not a single cent was covered with Figo using ‘pre-existing conditions’ for all her expenses regarding this new symptom thatstarted in Dec 2019. I felt robbed knowing that my healthy dog has never had any issues before and having had Figo insurance for 2 years, they won’t cover anything by claiming her condition was pre-existing while it was only discovered 2 weeks ago by the vet, after 1.5 years after being a Figo customer.

At the end of the day, I feel robbed by Figo. It’s not what I expected it would be.

Figo Customer Service
Hi Michael,

We hope that Karlee is doing well and are sorry to hear your claims experience was not what you were expecting. We’d like to take a moment to review our claims process, as well as share some good new related to Karlie’s claims.

In general, when the first claim is submitted, our claims department will request a pet’s complete medical history–including the doctor’s physical notes–in order to review the claim for coverage. By having the pet’s complete medical records on file, we can rule out any possible pre-existing conditions.

We do not require a veterinary exam to enroll; however, if a customer cannot provide medical records showing their pet’s annual health exam by a licensed veterinarian occurring within the 12-months before the effective date of their Figo pet insurance policy, the first documented veterinary examination after the effective date of the policy will be used as the basis for determining any pre-existing conditions. This appears to be the case for Karlie and is why her claims were originally found not eligible.

After further review, Karlie had been seen by an additional veterinary office during the 12-months prior to her policy start date. We were not aware of this initially, and after requesting and receiving these additional medical records, both claims were reviewed again and it was determined they were eligible! That prior visit showed she was healthy, which is great! With all medical history on file, this will allow us to process any future claims much faster.

We are sorry the claim process did not go as you expected initially, but are happy that based on new information received coverage was offered for both of Karlie’s claims! We can assure you that moving forward you can expect a much smoother claims experience.

Best regards,
Figo Customer Service

Beware of FIGO and their unexplained rate hikes every year. they dont tell you this when you sign up. My rates for puppy where $45mo, now they are $105 for a 2 year old dog. I am stuck and cant go anywhere else because of preexisting conditions I wish I knew this before I signed up. I wonder if there are any companies were you know the rates ahead of time or what the annual increases will be.
Shauna Bell
I have done the math and all the money I have spent on premiums would have paid for every vet bill out of pocket! Do a short term cd and bank the money. That way you will have it and if you never use it for your baby you have a little nest egg!!
Figo Customer Experience
Hi Glenn,

Thank you for protecting your puppy with Figo! We’re sorry to hear you were impacted by the rate increase our underwriter issued prior to your renewal. In order for them to keep up with rising vet care costs, while still being able to continue offering the same high level of coverage, they determined they needed to increase the rates.

We understand these changes were significant and we are not happy about them either. That being said, we have some good news! We are transitioning to a new underwriter, so that we can provide rate stability in the future, while offering the same level of service and coverage to our customers.

When you have a moment, feel free to reach out to us. Our customer experience team would be happy to review your account and see what options are available for your pup at this time.

Best regards,
Figo Customer Experience

They do not cover dental, nor do they cover wellness. So for the cost of their monthly coverage, it’s more money than many of the plans out there. Try Embrace, they’re wonderful
Thomas Forte
I highly recommend FIGO Pet Insurance. My Great Dane was breathing heavy, look lethargic and he was hot to the touch. We took him to a nearby animal hospital and had a 108 degree temperature, they took a blood test and discovered he had a very low white blood count which meant he had a bad infection. They kept him in intensive care and 4 days later , he passed with an aspirated pneumonia and septic. The hospital kept giving me bills and I kept paying them. The final bill was $8,711. A month later I submitted my bill on a Wednesday night at 9:00pm and I got an answer on Thursday morning at 10:00am stating they are going to cover the bills, plus the $1,000 Mortality benefit. Since it was a life threatening illness they did not charge me the $500 deductible or the 10% copay. They only took out $36 in hazardous waste fee. I received a check for $9,675. I would have spent anything for my dog and thank God I had FIGO to take the burden of the bill. FIGO I truly want to say Thank You from the bottom of my heart.