Figo Pet Insurance

Figo Pet Insurance Reviews

1.5
273 reviews
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About Figo Pet Insurance

Figo offers customizable coverage built for millennial pet parents. The company offers three comprehensive plans, and you can add optional coverage like Wellness, Veterinary Exam Fee or the Extra Care Pack. Figo offers up to 100% reimbursement, which is extremely rare for a pet insurance company and helps ensure you can keep costs down on large vet bills.

Pros
  • Flexible plan options
  • No upper age limit
  • Claim filing via app
  • 24/7 live vet chat
Cons
  • Wellness plans not included in base coverage
  • Standard plan doesn't pay exam fees

Featured Reviews

Colorado Springs, CO
Verified purchase
If you have carefully reviewed your contract of coverage, you should be very happy with Figo. They process claims quickly ... Most important to me as a former insurance adjuster i...

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Walnut Creek, CA
Verified purchase
Puppy has Figo since 10 weeks old. We chose unlimited coverage with $200 deductible. Phone App allows filing claims in vet’s office with photos of vet statements. Paid usually wit...

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How does Figo Pet Insurance work?

Figo Pet Insurance reimburses you for vet costs for your dogs or cats when they have unexpected injuries or illness, according to the terms of your plan. You pay a monthly fee for coverage; you can visit any licensed vet in the world, then file a claim for reimbursement.

The company recommends using the Figo Pet Cloud app to file a claim; however, you can also complete the claims process online, by phone, by fax or by email — you just need a copy of your paid invoice and your pet’s medical records. Figo has takes an average of three days to close a claim (two days if the company has medical records). You can be reimbursed via direct deposit or mailed check. Depending on your plan, you may have an unlimited annual benefit or a reimbursement level of up to 100%.

Figo offers a diminishing deductible, and the copy and deductible are waived for emergency life-saving treatment in the case of an accident (does not apply to illnesses). Holistic care is also included in the base policy.

What does Figo Pet Insurance cover?

When your dog or cat has a new injury, accident or illness, Figo covers costs for the following:

  • Emergency and hospitalization
  • Surgery
  • Cancer treatment
  • Lab and diagnostic testing
  • Prosthetics and orthopedics
  • Hereditary and congenital conditions
  • Chronic conditions
  • Food and Drug Administration-approved prescriptions

Figo does not cover:

  • Preexisting conditions
  • Experimental or cosmetic procedures
  • Care related to breeding and birth
  • Most parasites

Figo offers three add-on coverage options:

  • Veterinary Exam Fees: This add-on helps cover exam or consultation fees associated with an eligible illness or accident. It does not cover exam fees related to routine, wellness or preventative visits.
  • Extra Care Pack: The Extra care pack helps cover costs for cremation and burial (up to $250), lost pet advertising and award, vacation cancellation caused by a pet emergency, board fees, pet theft or loss caused by straying (up to $150) and third-party property damage liability (up to $10,000 per policy period and subject to a separate deductible).
  • Wellness: You can add routine care coverage to any plan to help pay for the cost of vaccinations, spaying or neutering, heartworm prevention, dental care and more. The company offers a Basic and Plus wellness add-on — the Plus add-on has higher annual maximums.

How much does Figo Pet Insurance cost?

Figo offers three plans: Essential, Preferred and Ultimate. All plans cover the same items but have different annual benefit amounts.

You can get a free monthly premium quote online. To give you an idea of what you can expect to pay, we got quotes for two different dogs in Tulsa, Oklahoma: a 3-year-old male golden retriever and a 12-year-old female Maltese.

For both quotes, we went with the company’s preselected options for annual deductible and reimbursement percentages.

For the golden retriever, the company suggested an 80% reimbursement and $250 deductible.

Annual benefitMonthly cost
Essential$5,000$27.16
Preferred$10,000$31.69
UltimateUnlimited$35.97

The Veterinary Exam Fees would cost an addtional $6.46 a month, and the Extra Care Pack costs an additional $6.62 a month. The Wellness Basic option would cost an additional $9.50 a month, while the Wellness Plus option is an additional $16.50 each month.

For the Maltese, the company preselected a 70% reimbursement rate and $750 deductible.

Annual benefitMonthly cost
Essential$5,000$35.53
Preferred$10,000$41.44
UltimateUnlimited$47.06

Adding the Veterinary Exam Fees option would cost another $8.46 a month, and the Extra Care Pack would cost an extra $6.62 a month. The Wellness add-on would cost $9.50 a month, and Wellness Plus would cost $16.50 a month.

Your monthly cost increases or decreases based on the reimbursement percentage and deductible you select. To lower your monthly premium, choose a lower reimbursement level or a higher annual deductible.

Figo Pet Insurance FAQ

Can I visit any veterinarian?

Yes, you can visit any licensed veterinarian in the world.

Does Figo Pet Insurance cover preexisting conditions?

No, Figo doesn’t cover preexisting conditions. It may cover conditions that are considered “curable.” The company recommends contacting its customer service for more information.

What is Figo Pet Cloud?

Figo Pet Cloud is Figo’s app. The app sends you vet visit reminders, helps connect you to a licensed vet 24/7, organizes your pet’s records and shows you where to find pet parks and day care. You can also use Figo Pet Cloud to socialize with other pet owners.

What is Figo Pet Insurance’s cancellation policy?

You can cancel your Figo insurance policy at any time by emailing or calling Figo. If you cancel within the first 30 days and haven’t made a claim, you get a full refund. Otherwise, refund policies vary by state.

Does Figo have a money-back guarantee?

Yes, Figo offers a 30-day money-back guarantee. If you cancel within 30 days and haven’t made a claim, you will receive a full refund.

Is Figo Pet Insurance good?

Figo Pet Insurance is a good choice for dogs and cats. The company gives you options for the annual benefit, reimbursement percentage and annual deductible, including plans with an unlimited benefit or 100% reimbursement. You can visit any licensed vet and have multiple ways to file a claim. If you’re searching for coverage for your dog or cat that’s at least 8 weeks old, get a quote from Figo — it takes less than a minute.

Figo Pet Insurance Reviews

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    How do I know I can trust these reviews about Figo Pet Insurance?
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    Page 1 Reviews 0 - 10
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    Reviewed Feb. 24, 2025

    I thought I would be getting a fair and acceptable insurance for my dogs! They didn't cover the routine yearly exam and shots! If you are thinking about getting this insurance, please rethink your decision and find another provider. I would give negative stars if I could! Bad bad bad business and for me, a huge SCAM!

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    Response from Figo Pet Insurance

    Hi Maria, we are so sorry to hear that you are unhappy. We pride ourselves on being able to assist our pet parents, so this is certainly not the experience we want anyone to have. We appreciate you taking the time to share your concerns, and have sent your feedback to our team for further review.

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      Reviewed Jan. 8, 2025

      If I could give them negative stars, I would. This is the worst company. They are THIEVES. They have no intentions of paying out any claims. They use pre-existing condition as an excuse for everything which means automatic denial. Don't be lured in by the slightly lower premiums that they initially dangle in your face. Each year they will raise it with no real explanation or notification. You're better off burning your money. We are going back to PetMeds which may cost a little more but is worth it. They are hassle-free, fair and easy to use. You get what you pay for.

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      Response from Figo Pet Insurance

      Hi Betty, we are so sorry to hear that you are unhappy. We pride ourselves on being able to assist our pet parents, so this is certainly not the experience we want anyone to have. We appreciate you taking the time to share your concerns, and have sent your feedback to our team for further review.

      Verified purchase
      Claims Handling

      Reviewed Jan. 8, 2025

      Please anyone that cares about your pet do not do business with this company. They are incredibly unscrupulous and will do anything to avoid paying a claim. Dm me and I'll provide explanation of benefits as proof of how they do business. Feel free to email and I'll provide documentation to support all my claims.

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      Response from Figo Pet Insurance

      Hi Joe, we are so sorry to hear that you are unhappy. We pride ourselves on being able to assist our pet parents, so this is certainly not the experience we want anyone to have. We appreciate you taking the time to share your concerns, and have sent your feedback to our team for further review.

      Verified purchase
      Claims Handling

      Reviewed Oct. 31, 2024

      Much like most pet insurance buyers, I had hoped to never need it. Alas, I did. My dog had a (non cancerous) mass on his toe. Between testing and medication, the bills began racking up. Finally the only solution was surgery. The first claim I made for the vet visits/testing/etc, took a few days and a couple emails with my vet for all the information they needed; and the allotted amount was applied to my deductible. The second claim was for his surgery, that took less than a week and the money (sans remaining deductible) was in my bank account on the 7th day from the claim being filed. Very little input was required from me and I could focus on my pet's recovery. I knew what to expect on what was and wasn’t covered and they were quick to get me my reimbursement. I love and recommend Figo for sure.

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      Response from Figo Pet Insurance

      Hi Greg - We’re thrilled to hear about your great experience with us! Thank you for being part of the Figo fam.

      Claims Handling

      Reviewed Sept. 6, 2024

      Absolutely awful. I was warned this was a racket and they would deny claims in any way possible, and my first claim in over three years they denied immediately. DO NOT PURCHASE. If I could give this zero stars I would.

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      Response from Figo Pet Insurance

      Hi Joanna, we are so sorry to hear about this. We’d love to speak further and get more information and answer any questions you may have about your specific claims. If you haven’t already, please reach out to us via email (support@figopetinsurance.com) or at (844) 738-3446 so we can discuss your account in greater detail.

      Profile pic of the author.
      Customer Service

      Reviewed Aug. 28, 2024

      I got Figo Pet Insurance for my 4 dogs. After almost getting through their waiting period my dog got a lump on her leg...it was not there prior to getting the insurance. Sure enough cancer..not sure what kind coz it cost 500 to get it checked out. I was 14 days from it being covered and they denied it. I ended up after 3-4 mos having to put her down. In the meantime I decided to cancel all policies for my 4 dogs. It is now 31 BUSINESS days and still no refund.

      I have called several times to check on it and always told it is being refunded...I have asked to talk to supervisor a few times...always NO ONE is available...and always told someone will call back but NO ONE calls back...and NO REFUND AND NO HEALTH CARE when my dog really needed it. Don't waste your money. Set it aside in an account and if something happens you'll have it. I found other reviews --- too late--- on Reddit and other places saying this company will take your money but not give you the health care your pets deserve. Find someone else!

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      Response from Figo Pet Insurance

      Hi Rose, thank you for taking the time to share your feedback with us. We know losing a big part of your family is never easy, and we're so sorry to hear about your loss.

      We understand you’ve been in touch with our customer service team. Please reach out to us at support@figopetinsurance.com or (844) 738-3446 if you have any further questions or need to discuss your account in greater detail.

      Verified purchase
      Customer ServiceClaims HandlingStaff

      Reviewed Aug. 21, 2024

      I am not recommending this insurance. It is difficult to communicate with them. If you want an email containing an explanation of benefits, you need to call to ask for an email to understand why your claim was not paid. The person who answers the phone is patient and tries to do her job, but the insurance policy itself is very disappointing. Pet Cloud is easy to use to submit claims. They try to do anything in their power to reject every claim, no matter how legitimate and how extensive the provided paperwork is.

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      Response from Figo Pet Insurance

      Hi Alina, we’re so sorry to hear about this. We’d love to speak further and get more information and answer any questions you may have about your specific claims. We understand you have been in touch with our customer service team. Please reach out to us via email at support@figopetinsurance.com or call us at (844) 738-3446 so we can discuss your account in greater detail.

      Reviewed July 27, 2024

      I purchased Figo several months ago. My 4 y/o healthy dog developed an anal abscess and it exploded in a matter of hours. It was 12:30 AM. Went to VET and they took great care of her. $700 emergency and they reimbursed me $124.07. WORST PET INS EVER!!!! They didn’t cover the exam! How can they treat her w/o an exam? Didn’t pay for pain meds!! Terrible.

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      Response from Figo Pet Insurance

      Hi Karen, we are so sorry to hear about this. We’d love to speak further and get more information and answer any questions you may have about your specific claims. If you haven’t already, please reach out to us via email (support@figopetinsurance.com) or at (844) 738-3446 so we can discuss your account in greater detail.

      Verified purchase
      Claims Handling

      Reviewed July 25, 2024

      So sad Costco has linked to this scam insurance program when you normally regard them as providing value and quality; FIGO is neither. They con you with introductory price with waiting periods, then after 1 year jack the price 65%. My 7 yr. old lab with no history of illness, accident or claims, jumped from $787 to $1198 with no claims. Go elsewhere for insurance for your pet and COSTCO, stop representing poor quality rip offs like FIGO the pyramid scheme of insurance.

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      Response from Figo Pet Insurance

      Hi Mike, thanks for reaching out, and we hear your frustration. We want to do our best to answer any questions you might have! We remain committed to transparency, so if you still have questions about your specific policy or any individual claims, our licensed agents would be happy to assist further. Please contact us via email at support@figopetinsurance.com or call us at (844) 738-3446.

      Claims Handling

      Reviewed July 10, 2024

      What a scam! Do not buy this insurance. @Costco should be ashamed of such a scam. Website doesn't work and when it does, can't open the pdf's, very slow in opening pages, refuse every claim saying it's pre-condition. How can a neuter dog have a pre-condition. Sue them, shut them down, don't be foolish.

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      Response from Figo Pet Insurance

      Hi John, we are so sorry to hear about this. We’d love to speak further and get more information and answer any questions you may have about your specific claims or policy. If you haven’t already, please reach out to us via email (support@figopetinsurance.com) or at (844) 738-3446 so we can discuss your account in greater detail.

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      Figo Pet Insurance Company Information

      Company Name:
      Figo Pet Insurance
      Year Founded:
      2013
      City:
      Chicago
      State/Province:
      IL
      Country:
      United States
      Website:
      figopetinsurance.com

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